High-Yield Savings Account Comparison

Citibank 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

Citibank

Citi Accelerate Savings

3.30%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$4.50. Waived for average monthly balances > $500
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7213)
EligibilityAlaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming.
Mobile Ratings
iOS:4.9Android:4.8
BBB Rating
D-(Not BBB Accredited)

Important Note

Eligibility restricted to select states.

Rate Stability

30 days
↘︎ 0.05%
90 days
↘︎ 0.20%
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

Citibank vs. E*TRADE from Morgan Stanley Savings Calculator

Calculations based on current APY for Citi Accelerate Savings and Premium Savings Account
$
$

E*TRADE from Morgan Stanley earns $286.7 more than Citibank.

Citibank

Citi Accelerate Savings

3.30% APY

Savings Breakdown

  • Interest Earned
    +$1,987.10(9.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,987.10

Effective APY
3.30%
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 Citibank vs. E*TRADE from Morgan Stanley

Updated: Dec 10, 2025

Why Citibank?

  • ✓Physical branch access (U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.)

Why E*TRADE from Morgan Stanley?

  • ✓Higher potential APY (3.75% vs 3.30%) on all balances
  • ✓Available Nationwide

— 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 $330/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 $825/yr).

Best for Simplicity
E*TRADE from Morgan Stanley

E*TRADE from Morgan Stanley's Premium Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
Citibank

Citibank offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.8 (vs. 4.7)

Shared Benefits

Both banks have options with $0 opening deposit Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, E*TRADE from Morgan Stanley's Premium Savings Account pays $45 more interest on a $10,000 balance than Citibank's Citi Accelerate Savings.

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

CitibankE*TRADE from Morgan Stanley
Automated Data Audit

Executive Summary

E*TRADE from Morgan Stanley offers a Premium Savings Account with a competitive APY of 3.75%, making it the clear winner compared to Citibank's Citi Accelerate Savings, which has an APY of 3.30%. E*TRADE's account does not require a direct deposit and has no maintenance fees, enhancing its appeal for simplicity. In contrast, Citibank's offering requires an average monthly balance above $500 to waive a $4.50 maintenance fee and is limited to select states. Both accounts are online-only and provide daily compounding, but E*TRADE stands out for higher returns without additional conditions.

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.

ExploreCitibankExploreE*TRADE from Morgan Stanley

Top Market Contenders

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

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.85% vs E*TRADE from Morgan Stanley
Better Rate
Pibank vs CitibankPibank vs E*TRADE from Morgan Stanley
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.56% vs E*TRADE from Morgan Stanley
Better Rate
Axos Bank vs CitibankAxos Bank vs E*TRADE from Morgan Stanley
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.65% vs E*TRADE from Morgan Stanley
Better Rate
TIMBR vs CitibankTIMBR vs E*TRADE from Morgan Stanley
FeatureCitibankE*TRADE from Morgan Stanley
APY
3.30%
Verified: 12/10/2025
↘︎ 0.20%90d Change
3.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NameCiti Accelerate SavingsPremium Savings Account
Minimum Deposit$0$0
Min. Balance for APY$0.01$0+
Monthly Fee$4.50. Waived for average monthly balances > $500$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android4.8
iOS4.7
Android4.7
BBB RatingD-D-
Important NotesEligibility restricted to select states.-
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricCitibankE*TRADE from Morgan Stanley
Citi® Savings AccountCiti Accelerate SavingsPremium Savings Account
Current APY
0.03%3.30%3.75%
Trend
 Stable Stable Stable
Velocity (bps/mo)
-0.0-4.9-3.2
Days Since Change
2992278
10-Month High
0.03%3.80%4.00%
10-Month Low
0.03%3.30%3.75%
Adjustments / Mo
0.000.600.10
Volatility Score
0.0000.0420.030
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 Citibank vs...

Comparing against Standard Savings

vs Citibank
PibankNo Bundle Req
4.60%
APY
vs Citibank
TIMBRNo Bundle Req
4.40%
APY
vs Citibank
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 Citibank's APY of 3.30% with other banks
Bank PairCompetitor APYMin Deposit
Citibank vs Affirm3.60%$0
Citibank vs Ally Bank3.30%$0
Citibank vs American Express3.40%$0
Citibank vs Axos Bank4.31%$0
Citibank vs Bank of America0.01%$100
Citibank vs Barclays4.00%$0
Citibank vs Bask Bank3.90%$0
Citibank vs Betterment3.50%$10
Citibank vs BMO Alto3.25%$0
Citibank vs Bread Savings4.10%$100
Citibank vs BrioDirect4.00%$5,000
Citibank vs Capital One3.40%$0
Citibank vs Charles Schwab Bank0.15%$0
Citibank vs Chase Bank0.01%$0
Citibank vs Chime3.50%$0
Citibank vs CIT Bank3.75%$100
Citibank vs Citizens Access™3.15%$0.01
Citibank vs Climate First Bank4.21%$50
Citibank vs Discover Bank3.40%$0
Citibank vs Elevault4.08%$0
Citibank vs EverBank4.05%$0
Citibank vs Fitness Bank4.75%$100
Citibank vs FNBO Direct3.00%$1
Citibank vs Forbright Bank4.00%$0
Citibank vs FVCbank3.85%$500
Citibank vs GO2bank4.50%$0
Citibank vs Ivy Bank4.25%$2,500
Citibank vs LendingClub4.20%$0
Citibank vs Marcus by Goldman Sachs3.65%$0
Citibank vs Neighbors Bank4.30%$0
Citibank vs Newtek Bank4.35%$0.01
Citibank vs Openbank4.20%$500
Citibank vs Peak Bank4.20%$100
Citibank vs Pibank4.60%$0
Citibank vs PNC3.53%$0
Citibank vs Presidential Bank4.00%$5,000
Citibank vs Quontic Bank3.75%$100
Citibank vs Salem Five Direct3.71%$10
Citibank vs Sallie Mae Bank3.90%$0
Citibank vs Santander Bank0.01%$25
Citibank vs SoFi Bank4.30%$0
Citibank vs Synchrony Bank3.65%$0
Citibank vs TD Bank2.75%$0
Citibank vs TIMBR4.40%$1,000
Citibank vs UFB Direct3.71%$5000
Citibank vs Upgrade3.05%$0
Citibank vs Valley Direct4.10%$1,000
Citibank vs Varo Bank5.00%$0
Citibank vs Vio Bank4.16%$100
Citibank vs Wealthfront4.15%$0
Citibank vs Wells Fargo0.05%$25
Citibank 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 Barclays4.00%$0
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 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