High-Yield Savings Account Comparison

Climate First Bank 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

Climate First Bank

Super Duper Savings Account

4.21%
APY
Dec 10, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0
Maintenance Fee$0, if electronic statements selected, otherwise $5
Compound FreqN/A
Direct DepositNot required
Branch Access3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL
Deposit InsuranceFDIC Insured(Cert: 59257)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.4
BBB Rating
A-(Not BBB Accredited)

Rate Stability

StableNo rate changes in last 7 days
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

Climate First Bank vs. E*TRADE from Morgan Stanley Savings Calculator

Calculations based on current APY for Super Duper Savings Account and Premium Savings Account
$
$

Climate First Bank earns $297 more than E*TRADE from Morgan Stanley.

Climate First Bank

Super Duper Savings Account

4.21% APY

Savings Breakdown

  • Interest Earned
    +$2,570.80(12.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,570.80

Effective APY
4.21%
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 Climate First Bank vs. E*TRADE from Morgan Stanley

Updated: Dec 10, 2025

Why Climate First Bank?

  • ✓Higher potential APY (4.21% vs 3.75%) on all balances
  • ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)

Why E*TRADE from Morgan Stanley?

No distinct advantages found vs Climate First Bank.

— Key Feature Differences —

Better Returns at $10,000
Climate First Bank

Climate First Bank's Super Duper Savings Account earns more on smaller deposits (approx. $421 vs $375/yr).

Better Returns at $25,000
Climate First Bank

Climate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $938/yr).

Best for Simplicity
Climate First Bank

Climate First Bank's Super Duper Savings Account offers 4.21% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $46 more interest on a $10,000 balance than E*TRADE from Morgan Stanley's Premium Savings Account.

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

E*TRADE from Morgan StanleyClimate First Bank
Automated Data Audit

Executive Summary

Climate First Bank offers a Super Duper Savings Account with a competitive 4.21% APY, making it the superior choice compared to E*TRADE from Morgan Stanley's Premium Savings Account, which has a lower APY of 3.75%. Climate First Bank's account requires a minimum deposit of $50 and has no maintenance fees if electronic statements are selected, while E*TRADE's account has no minimum deposit or balance requirements but is online-only. Both accounts do not require direct deposits, providing flexibility for savers.

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.

ExploreClimate First BankExploreE*TRADE from Morgan Stanley

Top Market Contenders

See who beats both Climate First Bank and E*TRADE from Morgan Stanley.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.39% vs Climate First Bank
Better Rate
Pibank vs Climate First BankPibank vs E*TRADE from Morgan Stanley
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.10% vs Climate First Bank
Better Rate
Axos Bank vs Climate First BankAxos Bank vs E*TRADE from Morgan Stanley
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.19% vs Climate First Bank
Better Rate
TIMBR vs Climate First BankTIMBR vs E*TRADE from Morgan Stanley
FeatureClimate First BankE*TRADE from Morgan Stanley
APY
4.21%
Verified: 12/10/2025
-
3.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NameSuper Duper Savings AccountPremium Savings Account
Minimum Deposit$50$0
Min. Balance for APY$0$0+
Monthly Fee$0, if electronic statements selected, otherwise $5$0
Branch AccessYesNone
Account Type
Online & Branches
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.9
Android4.4
iOS4.7
Android4.7
BBB RatingA-D-
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 1 Month Analysis
MetricClimate First BankE*TRADE from Morgan Stanley
Super Duper Savings AccountPremium Savings Account
Current APY
4.21%3.75%
Trend
 Stable Stable
Velocity (bps/mo)
0.00.0
Days Since Change
1515
1-Month High
4.21%3.75%
1-Month Low
4.21%3.75%
Adjustments / Mo
0.000.00
Volatility Score
0.0000.000
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 16-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 Climate First Bank vs...

Comparing against Standard Savings

vs Climate First Bank
PibankNo Bundle Req
4.60%
APY
vs Climate First Bank
TIMBRNo Bundle Req
4.40%
APY
vs Climate First Bank
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 Climate First Bank's APY of 4.21% with other banks
Bank PairCompetitor APYMin Deposit
Climate First Bank vs Affirm3.60%$0
Climate First Bank vs Ally Bank3.30%$0
Climate First Bank vs American Express3.40%$0
Climate First Bank vs Axos Bank4.31%$0
Climate First Bank vs Bank of America0.01%$100
Climate First Bank vs Barclays4.00%$0
Climate First Bank vs Bask Bank3.90%$0
Climate First Bank vs Betterment3.50%$10
Climate First Bank vs BMO Alto3.25%$0
Climate First Bank vs Bread Savings4.10%$100
Climate First Bank vs BrioDirect4.00%$5,000
Climate First Bank vs Capital One3.40%$0
Climate First Bank vs Charles Schwab Bank0.15%$0
Climate First Bank vs Chase Bank0.01%$0
Climate First Bank vs Chime3.50%$0
Climate First Bank vs CIT Bank3.75%$100
Climate First Bank vs Citibank3.30%$0
Climate First Bank vs Citizens Access™3.15%$0.01
Climate First Bank vs Discover Bank3.40%$0
Climate First Bank vs Elevault4.08%$0
Climate First Bank vs EverBank4.05%$0
Climate First Bank vs Fitness Bank4.75%$100
Climate First Bank vs FNBO Direct3.00%$1
Climate First Bank vs Forbright Bank4.00%$0
Climate First Bank vs FVCbank3.85%$500
Climate First Bank vs GO2bank4.50%$0
Climate First Bank vs Ivy Bank4.25%$2,500
Climate First Bank vs LendingClub4.20%$0
Climate First Bank vs Marcus by Goldman Sachs3.65%$0
Climate First Bank vs Neighbors Bank4.30%$0
Climate First Bank vs Newtek Bank4.35%$0.01
Climate First Bank vs Openbank4.20%$500
Climate First Bank vs Peak Bank4.20%$100
Climate First Bank vs Pibank4.60%$0
Climate First Bank vs PNC3.53%$0
Climate First Bank vs Presidential Bank4.00%$5,000
Climate First Bank vs Quontic Bank3.75%$100
Climate First Bank vs Salem Five Direct3.71%$10
Climate First Bank vs Sallie Mae Bank3.90%$0
Climate First Bank vs Santander Bank0.01%$25
Climate First Bank vs SoFi Bank4.30%$0
Climate First Bank vs Synchrony Bank3.65%$0
Climate First Bank vs TD Bank2.75%$0
Climate First Bank vs TIMBR4.40%$1,000
Climate First Bank vs UFB Direct3.71%$5000
Climate First Bank vs Upgrade3.05%$0
Climate First Bank vs Valley Direct4.10%$1,000
Climate First Bank vs Varo Bank5.00%$0
Climate First Bank vs Vio Bank4.16%$100
Climate First Bank vs Wealthfront4.15%$0
Climate First Bank vs Wells Fargo0.05%$25
Climate First Bank 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 Citizens Access™3.15%$0.01
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