Capital One vs. E*TRADE from Morgan Stanley
Compare rates, requirements, and features side-by-side to find the best option for you.
Capital One
360 Performance Savings
3.40%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
E*TRADE from Morgan Stanley
Premium Savings Account
3.75%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
E*TRADE from Morgan Stanley
Premium Savings Account
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.
Capital One vs. E*TRADE from Morgan Stanley Savings Calculator
E*TRADE from Morgan Stanley earns $223.3 more than Capital One.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
E*TRADE from Morgan Stanley
Premium Savings Account
Savings Breakdown
- Interest Earned+$2,273.80(11.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,273.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Capital One vs. E*TRADE from Morgan Stanley
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
Why E*TRADE from Morgan Stanley?
- ✓Higher potential APY (3.75% vs 3.40%) on all balances
— Key Feature Differences —
Better Returns at $10,000
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley's Premium Savings Account earns more on smaller deposits (approx. $375 vs $340/yr).
Better Returns at $25,000
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley's Premium Savings Account pulls ahead with larger amounts (approx. $938 vs $850/yr).
Best for Simplicity
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley's Premium Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, E*TRADE from Morgan Stanley's Premium Savings Account pays $35 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
E*TRADE from Morgan Stanley offers the highest APY of 3.75% with its Premium Savings Account, which is an online-only product that compounds daily. This account has no minimum deposit or maintenance fees, making it straightforward for savers. In comparison, Capital One's 360 Performance Savings account provides a lower APY of 3.40%, though it also has no minimum deposit or fees and is not limited to online access. Both accounts do not require direct deposit, but E*TRADE is noted for better returns at various deposit levels, emphasizing its appeal for those looking to maximize savings.
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.
Top Market Contenders
See who beats both Capital One and E*TRADE from Morgan Stanley.
| Feature | Capital One | E*TRADE from Morgan Stanley |
|---|---|---|
| APY | 3.40% Verified: 12/10/2025 ↘︎ 0.10%90d Change | 3.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | 360 Performance Savings | Premium Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0+ |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 Android4.5 | iOS4.7 Android4.7 |
| BBB Rating | A+ | D- |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | E*TRADE from Morgan Stanley |
|---|---|---|
| 360 Performance Savings | Premium Savings Account | |
Current APY | 3.40% | 3.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.4 | -3.2 |
Days Since Change | 70 | 78 |
10-Month High | 3.70% | 4.00% |
10-Month Low | 3.40% | 3.75% |
Adjustments / Mo | 0.30 | 0.10 |
Volatility Score | 0.030 | 0.030 |
How to read these metrics(Click to expand)
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