E*TRADE from Morgan Stanley vs. Marcus by Goldman Sachs
Comparing E*TRADE from Morgan Stanley and Marcus by Goldman Sachs for high-yield savings: E*TRADE from Morgan Stanley's Premium Savings Account pays 3.35% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Marcus by Goldman Sachs pays $30 more than E*TRADE from Morgan Stanley annually ($365 vs $335).
Choose E*TRADE from Morgan Stanley if you want Zelle for quick transfers. Choose Marcus by Goldman Sachs if getting the best rate matters most, or BBB rating matters to you.
| Metric | E*TRADE from Morgan StanleyPremium Savings Account Feb 6, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Feb 6, 2026 |
|---|---|---|
| APY | 3.35% | 3.65% |
Est. Earnings | $5,000+$168 $10,000+$335 $25,000+$838 | $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® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing E*TRADE from Morgan Stanley vs. Marcus by Goldman Sachs
Executive Summary
Marcus by Goldman Sachs offers a competitive APY of 3.65% on its Marcus Online Savings Account, making it the winner among the two banks. This account requires no minimum deposit, has no maintenance fees, and is online-only, providing a straightforward savings option. In comparison, E*TRADE from Morgan Stanley's Premium Savings Account offers a lower APY of 3.35% with similar terms, including no minimum balance and no fees. Both accounts do not require direct deposit, but Marcus stands out for its higher yield and user-friendly features.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why E*TRADE from Morgan Stanley?
- ✓Fast transfers via Zelle®
Why Marcus by Goldman Sachs?
- ✓Higher potential APY (3.65% vs 3.35%) 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 $335/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 $838/yr).
Best for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.65% APY with no bundling, direct deposit requirement or caps.
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 $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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
E*TRADE from Morgan Stanley vs. Marcus by Goldman Sachs Savings Calculator
You earn $30 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+$335.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,335.00
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $334 per year in interest.
Both E*TRADE from Morgan Stanley and Marcus by Goldman Sachs dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | E*TRADE from Morgan Stanley | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.35% Verified: 2/6/2026 ↘︎ 0.40%90d Change | 3.65% Verified: 2/6/2026 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 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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 | 3.35% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.9 | -1.7 |
Days Since Change | 3 | 254 |
12-Month High | 4.00% | 3.90% |
12-Month Low | 3.35% | 3.65% |
Adjustments / Mo | 0.25 | 0.17 |
Volatility Score | 0.052 | 0.021 |
How to read these metrics(Click to expand)
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