Capital One vs. E*TRADE from Morgan Stanley
Comparing Capital One and E*TRADE from Morgan Stanley for high-yield savings: Capital One's 360 Performance Savings pays 3.20% APY while E*TRADE from Morgan Stanley's Premium Savings Account pays 3.35% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? E*TRADE from Morgan Stanley pays $15 more than Capital One annually ($335 vs $320).
Choose Capital One if BBB rating matters to you, or you value in-person banking. Choose E*TRADE from Morgan Stanley if getting the best rate matters most.
| Metric | Capital One360 Performance Savings Mar 24, 2026 | E*TRADE from Morgan StanleyPremium Savings Account Mar 24, 2026 |
|---|---|---|
| APY | 3.20% | 3.35% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$168 $10,000+$335 $25,000+$838 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Capital One vs. E*TRADE from Morgan Stanley
Executive Summary
E*TRADE from Morgan Stanley offers a Premium Savings Account with a competitive APY of 3.35%, making it the higher-yield option compared to Capital One's 360 Performance Savings, which has an APY of 3.20%. Both accounts require no minimum deposit and have no maintenance fees, but E*TRADE's account is online-only, while Capital One provides broader access. Notably, E*TRADE's account provides better returns on larger deposits, with approximately $838 earned at $25,000 compared to $800 at Capital One. Both accounts do not require direct deposit, making them accessible for various savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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 (3.35% vs 3.20%) 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. $335 vs $320/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. $838 vs $800/yr).
Shared Benefits
Over a 1-year period, E*TRADE from Morgan Stanley's Premium Savings Account pays $15 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.
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 $15 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+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
E*TRADE from Morgan Stanley
Premium Savings Account
Savings Breakdown
- Interest Earned+$335.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,335.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $319 per year in interest.
Both Capital One and E*TRADE from Morgan Stanley dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | E*TRADE from Morgan Stanley |
|---|---|---|
| APY | 3.20% Verified: 3/24/2026 ↘︎ 0.20%90d Change | 3.35% Verified: 3/24/2026 ↘︎ 0.15%90d Change |
| Product Name | 360 Performance Savings | Premium Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0+ |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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 | 3.20% | 3.35% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.3 | -6.5 |
Days Since Change | 12 | 49 |
12-Month High | 3.70% | 4.00% |
12-Month Low | 3.20% | 3.35% |
Adjustments / Mo | 0.41 | 0.25 |
Volatility Score | 0.036 | 0.067 |
How to read these metrics(Click to expand)
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