E*TRADE from Morgan Stanley vs. MutualOne Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | E*TRADE from Morgan StanleyPremium Savings Account Jan 7, 2026 | MutualOne BankMo Premium Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.50% | 4.07% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$0 $10,000+$0 $25,000+$1,018 |
Min Deposit | $0 | $20,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing E*TRADE from Morgan Stanley vs. MutualOne Bank
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 MutualOne Bank's 4.07% APY for its Mo Premium Savings account, with a minimum balance of $20,000.
MutualOne Bank pays $57 more than E*TRADE from Morgan Stanley on a $10,000 balance after one year. E*TRADE from Morgan Stanley pays $350, while MutualOne Bank pays $407 - an APY advantage for MutualOne Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0.
Why E*TRADE from Morgan Stanley?
No distinct advantages found vs MutualOne Bank.
Why MutualOne Bank?
- ✓Higher potential APY (4.07% vs 3.50%)
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
— 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. $350 vs $0/yr).
Better Returns at $25,000
MutualOne BankMutualOne Bank's Mo Premium Savings pulls ahead with larger amounts (approx. $1018 vs $875/yr).
Best for Simplicity
MutualOne BankMutualOne Bank's Mo Premium Savings offers 4.07% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $57 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
MutualOne Bank offers a superior savings option with its Mo Premium Savings account, providing a competitive APY of 4.07%. This account requires a minimum deposit of $20,000 but does not impose any maintenance fees or direct deposit requirements. In contrast, E*TRADE from Morgan Stanley's Premium Savings Account yields 3.50% APY with no minimum deposit, making it a viable choice for smaller balances. However, the higher APY of MutualOne Bank's offering positions it as the better option for those who can meet the deposit requirement. Both accounts are FDIC insured, ensuring deposit safety.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
E*TRADE from Morgan Stanley vs. MutualOne Bank Savings Calculator
You earn $114 more with MutualOne Bank than E*TRADE from Morgan Stanley on a $20,000 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+$700.00(3.4%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,700.00
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | E*TRADE from Morgan Stanley | MutualOne Bank |
|---|---|---|
| APY | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change | 4.07% Verified: 1/7/2026 Stable (90d) |
| Product Name | Premium Savings Account | Mo Premium Savings |
| Minimum Deposit | $0 | $20,000 |
| Min. Balance for APY | $0+ | $20,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.7 | iOS4.9 Android4.4 |
| Zelle® Support | Available Available for Premium Savings and Checking. | Available Verified via website and app descriptions. |
| BBB Rating | D- | A+ |
| Next Steps | Visit SiteVerify at E*TRADE from Morgan Stanley Non-sponsored link to official site | Visit SiteVerify at MutualOne Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | E*TRADE from Morgan Stanley | MutualOne Bank | |
|---|---|---|---|
| Premium Savings Account | Online Savings | Mo Premium Savings | |
Current APY | 3.50% | 0.40% | 4.07% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -9.1 | 0.0 | -0.0 |
Days Since Change | 22 | 114 | 114 |
4-Month High | 4.00% | 0.40% | 4.07% |
4-Month Low | 3.50% | 0.40% | 4.07% |
Adjustments / Mo | 0.51 | 0.00 | 0.00 |
Volatility Score | 0.034 | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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