E*TRADE from Morgan Stanley vs. GO2bank
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
GO2bank
High Yield Savings
Up to4.50%APYDec 10, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 0.00% – 4.50%Show Fine Print & Trends Hide Details
GO2bank
High Yield Savings
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
E*TRADE from Morgan Stanley vs. GO2bank Savings Calculator
E*TRADE from Morgan Stanley earns $1,042.9 more than GO2bank.
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
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$1,230.90(6.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,230.90
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. GO2bank
Why E*TRADE from Morgan Stanley?
- ✓No checking account or direct deposit required
Why GO2bank?
- ✓Higher potential APY (4.50% vs 3.75%) on balances up to $5,000 (requires checking bundle)
— Key Feature Differences —
Better Returns at $10,000
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley's Premium Savings Account earns more on smaller deposits (approx. $375 vs $225/yr).
Better Returns at $25,000
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley's Premium Savings Account pulls ahead with larger amounts (approx. $938 vs $225/yr).
Best for Simplicity
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley's Premium Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, E*TRADE from Morgan Stanley's Premium Savings Account pays $150 more interest on a $10,000 balance than GO2bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
GO2bank offers a High Yield Savings account with a competitive APY of 4.50%, but it requires a GO2bank checking account to open and limits interest to balances up to $5,000. In contrast, E*TRADE from Morgan Stanley's Premium Savings Account provides a lower APY of 3.75% with no account requirements or caps, making it a more accessible option for savers. Both accounts have no minimum deposit and maintenance fees, and they are online-only. However, for those looking for higher returns on smaller balances, GO2bank is the clear winner.
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 GO2bank.
| Feature | E*TRADE from Morgan Stanley | GO2bank |
|---|---|---|
| APY | 3.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 4.50% 0Verified: 12/10/2025 Stable (90d) |
| Product Name | Premium Savings Account | High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0+ | $0 |
| Monthly Fee | $0 | $5 per month, unless you set up direct deposit |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.7 Android4.7 | iOS4.8 Android4.5 |
| BBB Rating | D- | Not Rated |
| Important Notes | - | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | E*TRADE from Morgan Stanley | GO2bank |
|---|---|---|
| Premium Savings Account | High Yield Savings | |
Current APY | 3.75% | 4.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.0 | 0.0 |
Days Since Change | 78 | 126 |
4-Month High | 4.00% | 4.50% |
4-Month Low | 3.75% | 4.50% |
Adjustments / Mo | 0.24 | 0.00 |
Volatility Score | 0.030 | 0.000 |
How to read these metrics(Click to expand)
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