E*TRADE from Morgan Stanley vs. Marcus by Goldman Sachs
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | E*TRADE from Morgan StanleyPremium Savings Account Jan 12, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Jan 12, 2026 |
|---|---|---|
| APY | 3.50% | 3.65% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing E*TRADE from Morgan Stanley vs. Marcus by Goldman Sachs
As of E*TRADE from Morgan Stanley offers an APY of 3.50% for its Premium Savings Account, with a minimum balance of $0+, compared to Marcus by Goldman Sachs's 3.65% APY for its Marcus Online Savings Account, with a minimum balance of $0.
Marcus by Goldman Sachs pays $15 more than E*TRADE from Morgan Stanley on a $10,000 balance after one year. E*TRADE from Morgan Stanley pays $350, while Marcus by Goldman Sachs pays $365 - an APY advantage for Marcus by Goldman Sachs.
Why E*TRADE from Morgan Stanley?
- ✓Fast transfers via Zelle®
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.50%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account earns more on smaller deposits (approx. $365 vs $350/yr).
Better Returns at $25,000
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account pulls ahead with larger amounts (approx. $912 vs $875/yr).
Best Mobile App Experience
Marcus by Goldman SachsMarcus by Goldman Sachs offers an iOS app rated 4.9 (vs. 4.7) and Android app rated 4.9 (vs. 4.7)
Shared Benefits
Over a 1-year period, Marcus by Goldman Sachs's Marcus Online Savings Account pays $15 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 as of
Marcus by Goldman Sachs offers a Marcus Online Savings Account with a competitive APY of 3.65%, making it the winner in this comparison. This account is online-only and requires no minimum deposit or maintenance fees, providing a straightforward savings option. In contrast, E*TRADE from Morgan Stanley features a Premium Savings Account with a slightly lower APY of 3.50%. Both accounts do not require direct deposits and are FDIC insured, but Marcus stands out with better returns on larger deposits and a superior mobile app experience.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
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Top Market Contenders
E*TRADE from Morgan Stanley vs. Marcus by Goldman Sachs Savings Calculator
You earn $15 more with Marcus by Goldman Sachs than E*TRADE from Morgan Stanley on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
E*TRADE from Morgan Stanley
Premium Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | E*TRADE from Morgan Stanley | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.50% Verified: 1/12/2026 ↘︎ 0.25%90d Change | 3.65% Verified: 1/12/2026 Stable (90d) |
| Product Name | Premium Savings Account | Marcus Online Savings Account |
| 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 | iOS4.9 Android4.9 |
| Zelle® Support | Available Available for Premium Savings and Checking. | Not Supported |
| BBB Rating | D- | A+ |
| Next Steps | Visit SiteVerify at E*TRADE from Morgan Stanley Non-sponsored link to official site | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | E*TRADE from Morgan Stanley | Marcus by Goldman Sachs |
|---|---|---|
| Premium Savings Account | Marcus Online Savings Account | |
Current APY | 3.50% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.4 | -1.8 |
Days Since Change | 27 | 229 |
11-Month High | 4.00% | 3.90% |
11-Month Low | 3.50% | 3.65% |
Adjustments / Mo | 0.18 | 0.18 |
Volatility Score | 0.044 | 0.021 |
How to read these metrics(Click to expand)
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