High-Yield Savings Account Comparison

Citizens Access™ 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

Citizens Access™

Citizens Access® Savings

3.15%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0.01
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57957)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.9
BBB Rating
A+(BBB Accredited)

Rate Stability

7 days
↘︎ 0.20%
90 days
↘︎ 0.35%
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

Citizens Access™ vs. E*TRADE from Morgan Stanley Savings Calculator

Calculations based on current APY for Citizens Access® Savings and Premium Savings Account
$
$

E*TRADE from Morgan Stanley earns $381.3 more than Citizens Access™.

Citizens Access™

Citizens Access® Savings

3.15% APY

Savings Breakdown

  • Interest Earned
    +$1,892.50(9.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,892.50

Effective APY
3.15%
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 Citizens Access™ vs. E*TRADE from Morgan Stanley

Updated: Dec 10, 2025

Why Citizens Access™?

No distinct advantages found vs E*TRADE from Morgan Stanley.

Why E*TRADE from Morgan Stanley?

  • ✓Higher potential APY (3.75% vs 3.15%) on all balances

— 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 $315/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 $788/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
Citizens Access™

Citizens Access™ offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.9 (vs. 4.7)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide 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 $60 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.

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

Citizens Access™E*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 winner in this comparison. This account is online-only, requires no minimum deposit or balance, and has no maintenance fees, providing a straightforward savings option. In contrast, Citizens Access™ features a Citizens Access® Savings account with an APY of 3.15%. While it also has no minimum deposit or maintenance fees, the lower APY makes it a secondary alternative. Both banks do not require direct deposit, and Citizens Access™ is noted for its superior mobile app experience.

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.

ExploreCitizens Access™ExploreE*TRADE from Morgan Stanley

Top Market Contenders

See who beats both Citizens Access™ 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 Citizens Access™Pibank 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 Citizens Access™Axos 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 Citizens Access™TIMBR vs E*TRADE from Morgan Stanley
FeatureCitizens Access™E*TRADE from Morgan Stanley
APY
3.15%
Verified: 12/10/2025
↘︎ 0.35%90d Change
3.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NameCitizens Access® SavingsPremium Savings Account
Minimum Deposit$0.01$0
Min. Balance for APY$0.01$0+
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.8
Android4.9
iOS4.7
Android4.7
BBB RatingA+D-
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricCitizens Access™E*TRADE from Morgan Stanley
Citizens Access® SavingsPremium Savings Account
Current APY
3.15%3.75%
Trend
 Stable Stable
Velocity (bps/mo)
-4.2-3.2
Days Since Change
078
10-Month High
3.70%4.00%
10-Month Low
3.15%3.75%
Adjustments / Mo
0.300.10
Volatility Score
0.0390.030
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 Citizens Access™ vs...

Comparing against Standard Savings

vs Citizens Access™
PibankNo Bundle Req
4.60%
APY
vs Citizens Access™
TIMBRNo Bundle Req
4.40%
APY
vs Citizens Access™
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 Citizens Access™'s APY of 3.15% with other banks
Bank PairCompetitor APYMin Deposit
Citizens Access™ vs Affirm3.60%$0
Citizens Access™ vs Ally Bank3.30%$0
Citizens Access™ vs American Express3.40%$0
Citizens Access™ vs Axos Bank4.31%$0
Citizens Access™ vs Bank of America0.01%$100
Citizens Access™ vs Barclays4.00%$0
Citizens Access™ vs Bask Bank3.90%$0
Citizens Access™ vs Betterment3.50%$10
Citizens Access™ vs BMO Alto3.25%$0
Citizens Access™ vs Bread Savings4.10%$100
Citizens Access™ vs BrioDirect4.00%$5,000
Citizens Access™ vs Capital One3.40%$0
Citizens Access™ vs Charles Schwab Bank0.15%$0
Citizens Access™ vs Chase Bank0.01%$0
Citizens Access™ vs Chime3.50%$0
Citizens Access™ vs CIT Bank3.75%$100
Citizens Access™ vs Citibank3.30%$0
Citizens Access™ vs Climate First Bank4.21%$50
Citizens Access™ vs Discover Bank3.40%$0
Citizens Access™ vs Elevault4.08%$0
Citizens Access™ vs EverBank4.05%$0
Citizens Access™ vs Fitness Bank4.75%$100
Citizens Access™ vs FNBO Direct3.00%$1
Citizens Access™ vs Forbright Bank4.00%$0
Citizens Access™ vs FVCbank3.85%$500
Citizens Access™ vs GO2bank4.50%$0
Citizens Access™ vs Ivy Bank4.25%$2,500
Citizens Access™ vs LendingClub4.20%$0
Citizens Access™ vs Marcus by Goldman Sachs3.65%$0
Citizens Access™ vs Neighbors Bank4.30%$0
Citizens Access™ vs Newtek Bank4.35%$0.01
Citizens Access™ vs Openbank4.20%$500
Citizens Access™ vs Peak Bank4.20%$100
Citizens Access™ vs Pibank4.60%$0
Citizens Access™ vs PNC3.53%$0
Citizens Access™ vs Presidential Bank4.00%$5,000
Citizens Access™ vs Quontic Bank3.75%$100
Citizens Access™ vs Salem Five Direct3.71%$10
Citizens Access™ vs Sallie Mae Bank3.90%$0
Citizens Access™ vs Santander Bank0.01%$25
Citizens Access™ vs SoFi Bank4.30%$0
Citizens Access™ vs Synchrony Bank3.65%$0
Citizens Access™ vs TD Bank2.75%$0
Citizens Access™ vs TIMBR4.40%$1,000
Citizens Access™ vs UFB Direct3.71%$5000
Citizens Access™ vs Upgrade3.05%$0
Citizens Access™ vs Valley Direct4.10%$1,000
Citizens Access™ vs Varo Bank5.00%$0
Citizens Access™ vs Vio Bank4.16%$100
Citizens Access™ vs Wealthfront4.15%$0
Citizens Access™ vs Wells Fargo0.05%$25
Citizens Access™ 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 Citibank3.30%$0
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