High-Yield Savings Account Comparison

Barclays vs. E*TRADE from Morgan Stanley

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

Barclays

Tiered Savings

Up to
4.00%
APY
Dec 10, 2025
FDIC InsuredHigh MinimumGreat iOS AppGreat Android App
Range: 3.85% – 4.00%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$250,000
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57203)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.7
BBB Rating
A+(BBB Accredited)

Important Note

The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%.

Rate Stability

Rate Adjusted
-0.10%
Since 30 days ago
Read Bank Overview

E*TRADE from Morgan Stanley

Premium Savings Account

3.75%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0+
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34221)
EligibilityUnited States
Mobile Ratings
iOS:4.7Android:4.7
BBB Rating
D-(Not BBB Accredited (Information provided is for Morgan Stanley))

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Barclays vs. E*TRADE from Morgan Stanley Savings Calculator

Calculations based on current APY for Tiered Savings and Premium Savings Account
$
$

Barclays earns $64.2 more than E*TRADE from Morgan Stanley.

Barclays

Tiered Savings

4.00% APY
Higher APY requires $250,000

Savings Breakdown

  • Interest Earned
    +$2,338.00(11.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,338.00

Effective APY
3.85%
View Details

E*TRADE from Morgan Stanley

Premium Savings Account

3.75% APY

Savings Breakdown

  • Interest Earned
    +$2,273.80(11.2%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,273.80

Effective APY
3.75%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing Barclays vs. E*TRADE from Morgan Stanley

Updated: Dec 10, 2025

Why Barclays?

  • ✓Higher potential APY (3.60%-4.00% vs 3.75%)
  • ✓Offers 2 different high-yield savings options

Why E*TRADE from Morgan Stanley?

No distinct advantages found vs Barclays.

— Key Feature Differences —

Better Returns at $10,000
E*TRADE from Morgan Stanley

E*TRADE from Morgan Stanley's Premium Savings Account earns more on smaller deposits (approx. $375 vs $0/yr).

Better Returns at $25,000
E*TRADE from Morgan Stanley

E*TRADE from Morgan Stanley's Premium Savings Account pulls ahead with larger amounts (approx. $938 vs $0/yr).

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Barclays's Tiered Savings pays $10 more interest on a $10,000 balance than E*TRADE from Morgan Stanley's Premium Savings Account.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

E*TRADE from Morgan StanleyBarclays
Automated Data Audit

Executive Summary

Barclays offers a Tiered Savings account with a competitive APY of 4.00% for balances over $250,000, while lower balances earn 3.85%. Additionally, they provide an Online Savings account with an APY of 3.60%. In contrast, E*TRADE from Morgan Stanley features a Premium Savings Account with an APY of 3.75%, applicable to all balances. Although Barclays has a higher APY for larger deposits, E*TRADE's account is advantageous for smaller amounts, as it yields better returns at $10,000 and $25,000. Both banks operate online-only and do not require direct deposit, making them accessible options for savers.

Analysis generated based on current Banksparency database records

* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.

ExploreBarclaysExploreE*TRADE from Morgan Stanley

Top Market Contenders

See who beats both Barclays and E*TRADE from Morgan Stanley.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.60% vs Barclays
Better Rate
Pibank vs BarclaysPibank vs E*TRADE from Morgan Stanley
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.31% vs Barclays
Better Rate
Axos Bank vs BarclaysAxos Bank vs E*TRADE from Morgan Stanley
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.40% vs Barclays
Better Rate
TIMBR vs BarclaysTIMBR vs E*TRADE from Morgan Stanley
FeatureBarclaysE*TRADE from Morgan Stanley
APY
4.00%
Range: 3.85% - 4.00%
Verified: 12/10/2025
↘︎ 0.10%90d Change
3.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NameTiered SavingsPremium Savings Account
Minimum Deposit$0$0
Min. Balance for APY$250,000$0+
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android4.7
iOS4.7
Android4.7
BBB RatingA+D-
Important NotesThe 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%.-
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricBarclaysE*TRADE from Morgan Stanley
Online SavingsTiered SavingsPremium Savings Account
Current APY
3.60%4.00%3.75%
Trend
 Stable Stable Stable
Velocity (bps/mo)
-2.6-4.0-3.2
Days Since Change
142178
10-Month High
3.90%4.50%4.00%
10-Month Low
3.60%4.00%3.75%
Adjustments / Mo
0.500.700.10
Volatility Score
0.0230.0310.030
How to read these metrics(Click to expand)

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.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/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 299-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.

Compare Similar High-Yield Accounts

Compare Barclays vs...

Comparing against Standard Savings

vs Barclays
PibankNo Bundle Req
4.60%
APY
vs Barclays
TIMBRNo Bundle Req
4.40%
APY
vs Barclays
Newtek BankNo Bundle Req
4.35%
APY

Compare E*TRADE from Morgan Stanley vs...

Comparing against Standard Savings

vs E*TRADE from Morgan Stanley
PibankNo Bundle Req
4.60%
APY
vs E*TRADE from Morgan Stanley
TIMBRNo Bundle Req
4.40%
APY
vs E*TRADE from Morgan Stanley
Newtek BankNo Bundle Req
4.35%
APY

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
APY

More Comparisons

Compare Barclays' APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
Barclays vs Affirm3.60%$0
Barclays vs Ally Bank3.30%$0
Barclays vs American Express3.40%$0
Barclays vs Axos Bank4.31%$0
Barclays vs Bank of America0.01%$100
Barclays vs Bask Bank3.90%$0
Barclays vs Betterment3.50%$10
Barclays vs BMO Alto3.25%$0
Barclays vs Bread Savings4.10%$100
Barclays vs BrioDirect4.00%$5,000
Barclays vs Capital One3.40%$0
Barclays vs Charles Schwab Bank0.15%$0
Barclays vs Chase Bank0.01%$0
Barclays vs Chime3.50%$0
Barclays vs CIT Bank3.75%$100
Barclays vs Citibank3.30%$0
Barclays vs Citizens Access™3.15%$0.01
Barclays vs Climate First Bank4.21%$50
Barclays vs Discover Bank3.40%$0
Barclays vs Elevault4.08%$0
Barclays vs EverBank4.05%$0
Barclays vs Fitness Bank4.75%$100
Barclays vs FNBO Direct3.00%$1
Barclays vs Forbright Bank4.00%$0
Barclays vs FVCbank3.85%$500
Barclays vs GO2bank4.50%$0
Barclays vs Ivy Bank4.25%$2,500
Barclays vs LendingClub4.20%$0
Barclays vs Marcus by Goldman Sachs3.65%$0
Barclays vs Neighbors Bank4.30%$0
Barclays vs Newtek Bank4.35%$0.01
Barclays vs Openbank4.20%$500
Barclays vs Peak Bank4.20%$100
Barclays vs Pibank4.60%$0
Barclays vs PNC3.53%$0
Barclays vs Presidential Bank4.00%$5,000
Barclays vs Quontic Bank3.75%$100
Barclays vs Salem Five Direct3.71%$10
Barclays vs Sallie Mae Bank3.90%$0
Barclays vs Santander Bank0.01%$25
Barclays vs SoFi Bank4.30%$0
Barclays vs Synchrony Bank3.65%$0
Barclays vs TD Bank2.75%$0
Barclays vs TIMBR4.40%$1,000
Barclays vs UFB Direct3.71%$5000
Barclays vs Upgrade3.05%$0
Barclays vs Valley Direct4.10%$1,000
Barclays vs Varo Bank5.00%$0
Barclays vs Vio Bank4.16%$100
Barclays vs Wealthfront4.15%$0
Barclays vs Wells Fargo0.05%$25
Barclays vs Zynlo Bank4.05%$10
Compare E*TRADE from Morgan Stanley's APY of 3.75% with other banks
Bank PairCompetitor APYMin Deposit
E*TRADE from Morgan Stanley vs Affirm3.60%$0
E*TRADE from Morgan Stanley vs Ally Bank3.30%$0
E*TRADE from Morgan Stanley vs American Express3.40%$0
E*TRADE from Morgan Stanley vs Axos Bank4.31%$0
E*TRADE from Morgan Stanley vs Bank of America0.01%$100
E*TRADE from Morgan Stanley vs Bask Bank3.90%$0
E*TRADE from Morgan Stanley vs Betterment3.50%$10
E*TRADE from Morgan Stanley vs BMO Alto3.25%$0
E*TRADE from Morgan Stanley vs Bread Savings4.10%$100
E*TRADE from Morgan Stanley vs BrioDirect4.00%$5,000
E*TRADE from Morgan Stanley vs Capital One3.40%$0
E*TRADE from Morgan Stanley vs Charles Schwab Bank0.15%$0
E*TRADE from Morgan Stanley vs Chase Bank0.01%$0
E*TRADE from Morgan Stanley vs Chime3.50%$0
E*TRADE from Morgan Stanley vs CIT Bank3.75%$100
E*TRADE from Morgan Stanley vs Citibank3.30%$0
E*TRADE from Morgan Stanley vs Citizens Access™3.15%$0.01
E*TRADE from Morgan Stanley vs Climate First Bank4.21%$50
E*TRADE from Morgan Stanley vs Discover Bank3.40%$0
E*TRADE from Morgan Stanley vs Elevault4.08%$0
E*TRADE from Morgan Stanley vs EverBank4.05%$0
E*TRADE from Morgan Stanley vs Fitness Bank4.75%$100
E*TRADE from Morgan Stanley vs FNBO Direct3.00%$1
E*TRADE from Morgan Stanley vs Forbright Bank4.00%$0
E*TRADE from Morgan Stanley vs FVCbank3.85%$500
E*TRADE from Morgan Stanley vs GO2bank4.50%$0
E*TRADE from Morgan Stanley vs Ivy Bank4.25%$2,500
E*TRADE from Morgan Stanley vs LendingClub4.20%$0
E*TRADE from Morgan Stanley vs Marcus by Goldman Sachs3.65%$0
E*TRADE from Morgan Stanley vs Neighbors Bank4.30%$0
E*TRADE from Morgan Stanley vs Newtek Bank4.35%$0.01
E*TRADE from Morgan Stanley vs Openbank4.20%$500
E*TRADE from Morgan Stanley vs Peak Bank4.20%$100
E*TRADE from Morgan Stanley vs Pibank4.60%$0
E*TRADE from Morgan Stanley vs PNC3.53%$0
E*TRADE from Morgan Stanley vs Presidential Bank4.00%$5,000
E*TRADE from Morgan Stanley vs Quontic Bank3.75%$100
E*TRADE from Morgan Stanley vs Salem Five Direct3.71%$10
E*TRADE from Morgan Stanley vs Sallie Mae Bank3.90%$0
E*TRADE from Morgan Stanley vs Santander Bank0.01%$25
E*TRADE from Morgan Stanley vs SoFi Bank4.30%$0
E*TRADE from Morgan Stanley vs Synchrony Bank3.65%$0
E*TRADE from Morgan Stanley vs TD Bank2.75%$0
E*TRADE from Morgan Stanley vs TIMBR4.40%$1,000
E*TRADE from Morgan Stanley vs UFB Direct3.71%$5000
E*TRADE from Morgan Stanley vs Upgrade3.05%$0
E*TRADE from Morgan Stanley vs Valley Direct4.10%$1,000
E*TRADE from Morgan Stanley vs Varo Bank5.00%$0
E*TRADE from Morgan Stanley vs Vio Bank4.16%$100
E*TRADE from Morgan Stanley vs Wealthfront4.15%$0
E*TRADE from Morgan Stanley vs Wells Fargo0.05%$25
E*TRADE from Morgan Stanley vs Zynlo Bank4.05%$10