E*TRADE from Morgan Stanley vs. EverBank
Compare rates, requirements, and features side-by-side to find the best option for you.
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
EverBank
Performance Savings
4.05%APYDec 10, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
EverBank
Performance Savings
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.
E*TRADE from Morgan Stanley vs. EverBank Savings Calculator
EverBank earns $193.2 more than E*TRADE from Morgan Stanley.
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
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$2,467.00(12.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,467.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing E*TRADE from Morgan Stanley vs. EverBank
Why E*TRADE from Morgan Stanley?
- ✓Higher rated iOS app (4.7 vs 2.3)
- ✓Higher rated Android app (4.7 vs 1.4)
Why EverBank?
- ✓Higher potential APY (4.05% vs 3.75%) on all balances
- ✓Physical branch access (11 locations in Florida and California)
— Key Feature Differences —
Better Returns at $10,000
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $405 vs $375/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $1013 vs $938/yr).
Best for Simplicity
EverBankEverBank's Performance Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley offers an iOS app rated 4.7 (vs. 2.3) and Android app rated 4.7 (vs. 1.4)
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $30 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.
Executive Summary
EverBank offers a Performance Savings account with a competitive APY of 4.05%, making it the winner in this comparison. This account is online-only and does not require direct deposit, minimum balance, or maintenance fees, providing a straightforward savings option. In contrast, E*TRADE from Morgan Stanley features a Premium Savings Account with a lower APY of 3.75%. While E*TRADE boasts a strong mobile app experience, EverBank's account provides better returns, especially for larger deposits, making it a more attractive choice for savers looking for higher yields.
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 E*TRADE from Morgan Stanley and EverBank.
| Feature | E*TRADE from Morgan Stanley | EverBank |
|---|---|---|
| APY | 3.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 4.05% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | Premium Savings Account | Performance Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0+ | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.7 | iOS2.3 Android1.4 |
| BBB Rating | D- | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | E*TRADE from Morgan Stanley | EverBank |
|---|---|---|
| Premium Savings Account | Performance Savings | |
Current APY | 3.75% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.2 | -3.2 |
Days Since Change | 78 | 82 |
10-Month High | 4.00% | 4.30% |
10-Month Low | 3.75% | 4.05% |
Adjustments / Mo | 0.10 | 0.10 |
Volatility Score | 0.030 | 0.028 |
How to read these metrics(Click to expand)
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