High-Yield Savings Account Comparison

E*TRADE from Morgan Stanley vs. Pibank

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

Pibank

Pibank Savings

4.60%
APY
Dec 10, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 25258)
EligibilityUnited States
Mobile Ratings
iOS:2.4Android:1.7
BBB Rating
A(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 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. Pibank Savings Calculator

Calculations based on current APY for Premium Savings Account and Pibank Savings
$
$

Pibank earns $552 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

Pibank

Pibank Savings

4.60% APY

Savings Breakdown

  • Interest Earned
    +$2,825.80(13.6%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,825.80

Effective APY
4.60%
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. Pibank

Updated: Dec 10, 2025

Why E*TRADE from Morgan Stanley?

  • ✓Higher rated iOS app (4.7 vs 2.4)
  • ✓Higher rated Android app (4.7 vs 1.7)

Why Pibank?

  • ✓Higher potential APY (4.60% vs 3.75%) on all balances

— Key Feature Differences —

Better Returns at $10,000
Pibank

Pibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $375/yr).

Better Returns at $25,000
Pibank

Pibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $938/yr).

Best for Simplicity
Pibank

Pibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
E*TRADE from Morgan Stanley

E*TRADE from Morgan Stanley offers an iOS app rated 4.7 (vs. 2.4) and Android app rated 4.7 (vs. 1.7)

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Pibank's Pibank Savings pays $85 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 StanleyPibank
Automated Data Audit

Executive Summary

Pibank offers a superior savings option with its Pibank Savings account, featuring a competitive APY of 4.60%, which is significantly higher than E*TRADE from Morgan Stanley's Premium Savings Account at 3.75%. Both banks have no minimum deposit requirements and charge no maintenance fees, making them accessible for savers. Pibank's product is noted for providing better returns at various deposit levels, and it stands out for its simplicity, as it does not require direct deposit. Both banks operate online only, catering to customers who prefer digital banking solutions.

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 StanleyExplorePibank
FeatureE*TRADE from Morgan StanleyPibank
APY
3.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
4.60%
Verified: 12/10/2025
Stable (90d)
Product NamePremium Savings AccountPibank Savings
Minimum Deposit$0$0
Min. Balance for APY$0+$0.01
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.7
Android4.7
iOS2.4
Android1.7
BBB RatingD-A
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricE*TRADE from Morgan StanleyPibank
Premium Savings AccountPibank Savings
Current APY
3.75%4.60%
Trend
 Stable Stable
Velocity (bps/mo)
-3.2-0.0
Days Since Change
78294
10-Month High
4.00%4.60%
10-Month Low
3.75%4.60%
Adjustments / Mo
0.100.00
Volatility Score
0.0300.000
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 299-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

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TIMBRNo Bundle Req
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APY
vs E*TRADE from Morgan Stanley
Newtek BankNo Bundle Req
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APY

Compare Pibank vs...

Comparing against Standard Savings

vs Pibank
TIMBRNo Bundle Req
4.40%
APY
vs Pibank
Newtek BankNo Bundle Req
4.35%
APY
vs Pibank
Neighbors BankNo Bundle Req
4.30%
APY

Higher Rates (With Checking)

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Checking Bundle
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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 Ivy Bank4.25%$2,500
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 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 Pibank's APY of 4.60% with other banks
Bank PairCompetitor APYMin Deposit
Pibank vs Affirm3.60%$0
Pibank vs Ally Bank3.30%$0
Pibank vs American Express3.40%$0
Pibank vs Axos Bank4.31%$0
Pibank vs Bank of America0.01%$100
Pibank vs Barclays4.00%$0
Pibank vs Bask Bank3.90%$0
Pibank vs Betterment3.50%$10
Pibank vs BMO Alto3.25%$0
Pibank vs Bread Savings4.10%$100
Pibank vs BrioDirect4.00%$5,000
Pibank vs Capital One3.40%$0
Pibank vs Charles Schwab Bank0.15%$0
Pibank vs Chase Bank0.01%$0
Pibank vs Chime3.50%$0
Pibank vs CIT Bank3.75%$100
Pibank vs Citibank3.30%$0
Pibank vs Citizens Access™3.15%$0.01
Pibank vs Climate First Bank4.21%$50
Pibank vs Discover Bank3.40%$0
Pibank vs Elevault4.08%$0
Pibank vs EverBank4.05%$0
Pibank vs Fitness Bank4.75%$100
Pibank vs FNBO Direct3.00%$1
Pibank vs Forbright Bank4.00%$0
Pibank vs FVCbank3.85%$500
Pibank vs GO2bank4.50%$0
Pibank vs Ivy Bank4.25%$2,500
Pibank vs LendingClub4.20%$0
Pibank vs Marcus by Goldman Sachs3.65%$0
Pibank vs Neighbors Bank4.30%$0
Pibank vs Newtek Bank4.35%$0.01
Pibank vs Openbank4.20%$500
Pibank vs Peak Bank4.20%$100
Pibank vs PNC3.53%$0
Pibank vs Presidential Bank4.00%$5,000
Pibank vs Quontic Bank3.75%$100
Pibank vs Salem Five Direct3.71%$10
Pibank vs Sallie Mae Bank3.90%$0
Pibank vs Santander Bank0.01%$25
Pibank vs SoFi Bank4.30%$0
Pibank vs Synchrony Bank3.65%$0
Pibank vs TD Bank2.75%$0
Pibank vs TIMBR4.40%$1,000
Pibank vs UFB Direct3.71%$5000
Pibank vs Upgrade3.05%$0
Pibank vs Valley Direct4.10%$1,000
Pibank vs Varo Bank5.00%$0
Pibank vs Vio Bank4.16%$100
Pibank vs Wealthfront4.15%$0
Pibank vs Wells Fargo0.05%$25
Pibank vs Zynlo Bank4.05%$10