Chase Bank vs. E*TRADE from Morgan Stanley
Compare rates, requirements, and features side-by-side to find the best option for you.
Chase Bank
Chase Savings℠
0.01%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Chase Bank
Chase 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.
Chase Bank vs. E*TRADE from Morgan Stanley Savings Calculator
E*TRADE from Morgan Stanley earns $2,268.1 more than Chase Bank.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$5.70(0.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,005.70
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 Chase Bank vs. E*TRADE from Morgan Stanley
Why Chase Bank?
No distinct advantages found vs E*TRADE from Morgan Stanley.
Why E*TRADE from Morgan Stanley?
- ✓Higher potential APY (3.75% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
— 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 $1/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 $3/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 $374 more interest on a $10,000 balance than Chase Bank's Chase 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 a significant advantage with its Premium Savings Account, boasting a competitive APY of 3.75%. This account is online-only and requires no minimum deposit or maintenance fees, making it an attractive option for savers. In contrast, Chase Bank's Chase Savings℠ provides a much lower APY of 0.01% and has a monthly maintenance fee of $5, which can be waived under certain conditions. While Chase offers a traditional savings account experience, E*TRADE stands out for its higher yield and simplicity, with no requirements for direct deposit or account bundling.
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 Chase Bank and E*TRADE from Morgan Stanley.
| Feature | Chase Bank | E*TRADE from Morgan Stanley |
|---|---|---|
| APY | 0.01% Verified: 12/10/2025 Stable (90d) | 3.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | Chase Savings℠ | Premium Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0+ |
| Monthly Fee | $5 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.6 | iOS4.7 Android4.7 |
| BBB Rating | A- | D- |
| Important Notes | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | E*TRADE from Morgan Stanley |
|---|---|---|
| Chase Savings℠ | Premium Savings Account | |
Current APY | 0.01% | 3.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -3.2 |
Days Since Change | 295 | 78 |
10-Month High | 0.01% | 4.00% |
10-Month Low | 0.01% | 3.75% |
Adjustments / Mo | 0.00 | 0.10 |
Volatility Score | 0.000 | 0.030 |
How to read these metrics(Click to expand)
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