Capital One vs. E*TRADE from Morgan Stanley
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Capital One360 Performance Savings Jan 12, 2026 | E*TRADE from Morgan StanleyPremium Savings Account Jan 12, 2026 |
|---|---|---|
| APY | 3.30% | 3.50% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Capital One vs. E*TRADE from Morgan Stanley
As of Capital One offers an APY of 3.30% for its 360 Performance Savings account, with a minimum balance of $0, compared to E*TRADE from Morgan Stanley's 3.50% APY for its Premium Savings Account, with a minimum balance of $0+.
E*TRADE from Morgan Stanley pays $20 more than Capital One on a $10,000 balance after one year. Capital One pays $330, while E*TRADE from Morgan Stanley pays $350 - an APY advantage for 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 (3.50% vs 3.30%) 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. $350 vs $330/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. $875 vs $825/yr).
Best for Simplicity
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley's Premium Savings Account offers 3.50% 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 $20 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 as of
E*TRADE from Morgan Stanley offers a Premium Savings Account with a competitive APY of 3.50%, making it the winner in this comparison. This account features daily compounding and has no minimum deposit or maintenance fees, providing a straightforward option for savers. In contrast, Capital One's 360 Performance Savings account offers a slightly lower APY of 3.30% with monthly compounding, also requiring no minimum deposit or fees. Both accounts do not require direct deposit and are FDIC insured, but E*TRADE's account is online-only.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. E*TRADE from Morgan Stanley Savings Calculator
You earn $20 more with E*TRADE from Morgan Stanley than Capital One on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
E*TRADE from Morgan Stanley
Premium Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Capital One | E*TRADE from Morgan Stanley |
|---|---|---|
| APY | 3.30% Verified: 1/12/2026 ↘︎ 0.10%90d Change | 3.50% Verified: 1/12/2026 ↘︎ 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 |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Available Available for Premium Savings and Checking. |
| BBB Rating | A+ | D- |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at E*TRADE from Morgan Stanley Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | E*TRADE from Morgan Stanley |
|---|---|---|
| 360 Performance Savings | Premium Savings Account | |
Current APY | 3.30% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.2 | -4.4 |
Days Since Change | 4 | 27 |
11-Month High | 3.70% | 4.00% |
11-Month Low | 3.30% | 3.50% |
Adjustments / Mo | 0.36 | 0.18 |
Volatility Score | 0.031 | 0.044 |
How to read these metrics(Click to expand)
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