E*TRADE from Morgan Stanley vs. FVCbank
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
FVCbank
Advantage Direct Savings
3.85%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppShow Fine Print & Trends Hide Details
FVCbank
Advantage Direct 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. FVCbank Savings Calculator
FVCbank earns $64.2 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
FVCbank
Advantage Direct Savings
Savings Breakdown
- Interest Earned+$2,338.00(11.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,338.00
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. FVCbank
Why E*TRADE from Morgan Stanley?
- ✓Higher rated iOS app (4.7 vs 4.4)
- ✓Higher rated Android app (4.7 vs 3.6)
Why FVCbank?
No distinct advantages found vs E*TRADE from Morgan Stanley.
— Key Feature Differences —
Best Mobile App Experience
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley offers an iOS app rated 4.7 (vs. 4.4) and Android app rated 4.7 (vs. 3.6)
Shared Benefits
Over a 1-year period, FVCbank's Advantage Direct Savings pays $10 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
FVCbank offers the Advantage Direct Savings account with a competitive APY of 3.85%, making it the higher-yield option compared to E*TRADE from Morgan Stanley's Premium Savings Account, which has an APY of 3.75%. Both accounts are online-only and require no maintenance fees, but FVCbank requires a minimum deposit of $500 to open the account, while E*TRADE has no minimum deposit requirement. Additionally, E*TRADE is noted for its superior mobile app experience, rated 4.7 for both iOS and Android.
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 FVCbank.
| Feature | E*TRADE from Morgan Stanley | FVCbank |
|---|---|---|
| APY | 3.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 3.85% Verified: 12/10/2025 ↘︎ 0.50%90d Change |
| Product Name | Premium Savings Account | Advantage Direct Savings |
| Minimum Deposit | $0 | $500 |
| Min. Balance for APY | $0+ | $500 |
| 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 | iOS4.4 Android3.6 |
| BBB Rating | D- | B- |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | E*TRADE from Morgan Stanley | FVCbank |
|---|---|---|
| Premium Savings Account | Advantage Direct Savings | |
Current APY | 3.75% | 3.85% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.7 | -8.4 |
Days Since Change | 78 | 39 |
9-Month High | 4.00% | 4.55% |
9-Month Low | 3.75% | 3.85% |
Adjustments / Mo | 0.11 | 0.90 |
Volatility Score | 0.030 | 0.057 |
How to read these metrics(Click to expand)
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