High-Yield Savings Account Comparison

E*TRADE from Morgan Stanley vs. Ivy Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

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

Ivy Bank

High-Yield Savings Account

Up to
4.25%
APY
Dec 10, 2025
FDIC InsuredMod. MinimumGreat iOS App
Range: 0.05% – 4.25%
Show Fine Print & Trends
Min. Deposit$2,500
Min. Balance$2,500
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 17870)
EligibilityResidents of California and U.S. Territories (except District of Columbia) are ineligible to apply.
Mobile Ratings
iOS:4.7Android:3.5
BBB Rating
A-(Not BBB Accredited)

Rate Stability

StableNo rate changes in last 7 days
Read Bank Overview

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.

Find Branch Access

E*TRADE from Morgan Stanley vs. Ivy Bank Savings Calculator

Calculations based on current APY for Premium Savings Account and High-Yield Savings Account
$
$

Ivy Bank earns $323 more than E*TRADE from Morgan Stanley.

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

Ivy Bank

High-Yield Savings Account

4.25% APY

Savings Breakdown

  • Interest Earned
    +$2,596.80(12.6%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,596.80

Effective APY
4.25%
View Details

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. Ivy Bank

Updated: Dec 10, 2025

Why E*TRADE from Morgan Stanley?

  • ✓No checking account or direct deposit required
  • ✓Higher rated Android app (4.7 vs 3.5)
  • ✓Available Nationwide

Why Ivy Bank?

  • ✓Higher potential APY (4.25% vs 3.75%) on all balances

— Key Feature Differences —

Better Returns at $10,000
Ivy Bank

Ivy Bank's High-Yield Savings Account earns more on smaller deposits (approx. $425 vs $375/yr).

Better Returns at $25,000
Ivy Bank

Ivy Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1063 vs $938/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.

Shared Benefits

Both offer monthly maintenance-free account options Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Ivy Bank's High-Yield Savings Account pays $50 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 StanleyIvy Bank
Automated Data Audit

Executive Summary

Ivy Bank offers a High-Yield Savings Account with a competitive APY of 4.25%, making it the clear winner compared to E*TRADE from Morgan Stanley's Premium Savings Account, which provides a lower APY of 3.75%. Ivy Bank's account is online-only and requires a minimum deposit and balance of $2,500, while E*TRADE has no minimum deposit or balance requirements, and no direct deposit is necessary. However, eligibility for Ivy Bank is restricted to residents outside of California and U.S. Territories (excluding the District of Columbia). Both accounts feature daily compounding and no maintenance fees.

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.

ExploreE*TRADE from Morgan StanleyExploreIvy Bank

Top Market Contenders

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

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.35% vs Ivy Bank
Better Rate
Pibank vs E*TRADE from Morgan StanleyPibank vs Ivy Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.06% vs Ivy Bank
Better Rate
Axos Bank vs E*TRADE from Morgan StanleyAxos Bank vs Ivy Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.15% vs Ivy Bank
Better Rate
TIMBR vs E*TRADE from Morgan StanleyTIMBR vs Ivy Bank
FeatureE*TRADE from Morgan StanleyIvy Bank
APY
3.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
4.25%
Range: 0.05% - 4.25%
Verified: 12/10/2025
-
Product NamePremium Savings AccountHigh-Yield Savings Account
Minimum Deposit$0$2,500
Min. Balance for APY$0+$2,500
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.7
Android4.7
iOS4.7
Android3.5
BBB RatingD-A-
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 1 Month Analysis
MetricE*TRADE from Morgan StanleyIvy Bank
Premium Savings AccountHigh-Yield Savings Account
Current APY
3.75%4.25%
Trend
 Stable Stable
Velocity (bps/mo)
0.00.0
Days Since Change
2626
1-Month High
3.75%4.25%
1-Month Low
3.75%4.25%
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 27-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 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

Compare Ivy Bank vs...

Comparing against Standard Savings

vs Ivy Bank
PibankNo Bundle Req
4.60%
APY
vs Ivy Bank
TIMBRNo Bundle Req
4.40%
APY
vs Ivy Bank
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 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 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 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
Compare Ivy Bank's APY of 4.25% with other banks
Bank PairCompetitor APYMin Deposit
Ivy Bank vs Affirm3.60%$0
Ivy Bank vs Ally Bank3.30%$0
Ivy Bank vs American Express3.40%$0
Ivy Bank vs Axos Bank4.31%$0
Ivy Bank vs Bank of America0.01%$100
Ivy Bank vs Barclays4.00%$0
Ivy Bank vs Bask Bank3.90%$0
Ivy Bank vs Betterment3.50%$10
Ivy Bank vs BMO Alto3.25%$0
Ivy Bank vs Bread Savings4.10%$100
Ivy Bank vs BrioDirect4.00%$5,000
Ivy Bank vs Capital One3.40%$0
Ivy Bank vs Charles Schwab Bank0.15%$0
Ivy Bank vs Chase Bank0.01%$0
Ivy Bank vs Chime3.50%$0
Ivy Bank vs CIT Bank3.75%$100
Ivy Bank vs Citibank3.30%$0
Ivy Bank vs Citizens Access™3.15%$0.01
Ivy Bank vs Climate First Bank4.21%$50
Ivy Bank vs Discover Bank3.40%$0
Ivy Bank vs Elevault4.08%$0
Ivy Bank vs EverBank4.05%$0
Ivy Bank vs Fitness Bank4.75%$100
Ivy Bank vs FNBO Direct3.00%$1
Ivy Bank vs Forbright Bank4.00%$0
Ivy Bank vs FVCbank3.85%$500
Ivy Bank vs GO2bank4.50%$0
Ivy Bank vs LendingClub4.20%$0
Ivy Bank vs Marcus by Goldman Sachs3.65%$0
Ivy Bank vs Neighbors Bank4.30%$0
Ivy Bank vs Newtek Bank4.35%$0.01
Ivy Bank vs Openbank4.20%$500
Ivy Bank vs Peak Bank4.20%$100
Ivy Bank vs Pibank4.60%$0
Ivy Bank vs PNC3.53%$0
Ivy Bank vs Presidential Bank4.00%$5,000
Ivy Bank vs Quontic Bank3.75%$100
Ivy Bank vs Salem Five Direct3.71%$10
Ivy Bank vs Sallie Mae Bank3.90%$0
Ivy Bank vs Santander Bank0.01%$25
Ivy Bank vs SoFi Bank4.30%$0
Ivy Bank vs Synchrony Bank3.65%$0
Ivy Bank vs TD Bank2.75%$0
Ivy Bank vs TIMBR4.40%$1,000
Ivy Bank vs UFB Direct3.71%$5000
Ivy Bank vs Upgrade3.05%$0
Ivy Bank vs Valley Direct4.10%$1,000
Ivy Bank vs Varo Bank5.00%$0
Ivy Bank vs Vio Bank4.16%$100
Ivy Bank vs Wealthfront4.15%$0
Ivy Bank vs Wells Fargo0.05%$25
Ivy Bank vs Zynlo Bank4.05%$10