E*TRADE from Morgan Stanley: Savings Account & Rates
Mission: Banksparency aims to make E*TRADE from Morgan Stanley's savings account transparent and comparable to the market.
Savings Overview
Premium Savings Account
| Min. Deposit | $0 |
| Min. Balance | $0+ |
| Maintenance Fee | $0 |
Market Reality Check
This bank offers rates below the current top tier. The best rates we track are currently above 4.21% APY.
Bank Overview
- HQ LocationArlington, Virginia
- Founded1982
- AffiliationE*Trade was acquired by Morgan Stanley in 2020. Banking products and services are provided by Morgan Stanley Private Bank, National Association, Member FDIC (NYSE: MS).
- Zelle® SupportAvailableAvailable for Premium Savings and Checking.
- Deposit InsuranceFDIC Insured(Cert: 34221)
Our Take on E*TRADE from Morgan Stanley
The Good
- Decent APY of 3.50%
- No minimum deposit or balance requirements
- No monthly maintenance fees
- Highly rated mobile apps (iOS: 4.7, Android: 4.7)
Considerations
- No physical branch access (online only)
E*TRADE from Morgan Stanley offers a Premium Savings Account with an attractive APY of 3.50%. This account has no minimum deposit or balance requirements, and there are no monthly maintenance fees. Additionally, it does not require direct deposit or checking account linkage. However, it is important to note that this account is only available online, as there is no physical branch access. The mobile apps for iOS and Android are highly rated, both scoring 4.7.
Top Market Contenders
Savings Account: In-Depth View
Savings Account Offered by E*TRADE from Morgan Stanley
| Feature | Premium Savings Account |
|---|---|
APY | 3.50%Verified: 1/7/2026 |
APY Trend | Rate Adjusted -0.25% Since 30 days ago |
Min. Deposit | $0 |
Min. Balance | $0+ |
Monthly Fee | $0 |
Direct Deposit | None |
Checking Bundle | No |
Branch Access | None |
Compounding | Daily |
FDIC Insured | Yes |
Eligibility | United States |
| Next Steps | - |
Calculate Savings for E*TRADE from Morgan Stanley
Savings Breakdown
- Interest Earned+$1,363.30(8.9%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,363.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
E*TRADE from Morgan Stanley Savings Rates Over Time
Historical APY Insights
Last 11 Months| Metric | Premium Savings Account |
|---|---|
Latest APY | 3.50% |
Trend | Sideways |
Slope (bps/mo) | -4.2 |
Rate Changes / Mo | 0.18 |
Days Since Last Change | 22 |
High (-11m) | 4.00% |
Low (-11m) | 3.50% |
Draw-down | -12.5% |
Volatility (CV) | 0.042 |
How to read these metrics▼
Trends & Velocity
- Trend
- The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
- Slope (bps/mo)
- Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
- Rate Changes / Mo
- "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.
Risk & Range
- High/Low
- The absolute ceiling and floor of the rate during the 327-day window.
- Volatility Score
- Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
- Days Since Change
- If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.
Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.
Compare with E*TRADE from Morgan Stanley
| Feature | Current View E*TRADE from Morgan Stanley | Empty Slot |
|---|---|---|
| Product | Premium Savings Account | - |
APY | 3.50%Verified: 1/7/2026 | - |
APY Trend | Rate Adjusted -0.25% Since 30 days ago | - |
| Min. Deposit | $0 | - |
| Monthly Fee | $0 | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| Branch Access | None | - |
| Eligibility | United States | - |
Compounding | Daily | - |
FDIC Insured | Yes | - |
| Next Steps | - | - |
Bank-to-Bank Comparisons
Compare E*TRADE from Morgan Stanley's APY of 3.50% with other banks
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Bundled Savings & Checking Account
Minimum Deposit: $0
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Direct Deposit: Min. $1,000/month