E*TRADE from Morgan Stanley vs. PNC
Compare rates, requirements, and features side-by-side to find the best option for you.
E*TRADE from Morgan Stanley
Premium Savings Account
3.75%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
E*TRADE from Morgan Stanley
Premium Savings Account
PNC
PNC High Yield Savings
3.53%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
PNC
PNC High Yield Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
E*TRADE from Morgan Stanley vs. PNC Savings Calculator
E*TRADE from Morgan Stanley earns $140.6 more than PNC.
E*TRADE from Morgan Stanley
Premium Savings Account
Savings Breakdown
- Interest Earned+$2,273.80(11.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,273.80
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$2,133.20(10.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,133.20
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. PNC
Why E*TRADE from Morgan Stanley?
- ✓Higher potential APY (3.75% vs 3.53%) on all balances
- ✓Available Nationwide
Why PNC?
- ✓Physical branch access (Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI)
— 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. $375 vs $353/yr).
Better Returns at $25,000
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley's Premium Savings Account pulls ahead with larger amounts (approx. $938 vs $883/yr).
Best for Simplicity
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley's Premium Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, E*TRADE from Morgan Stanley's Premium Savings Account pays $22 more interest on a $10,000 balance than PNC's PNC High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
E*TRADE from Morgan Stanley offers a Premium Savings Account with a competitive APY of 3.75%, making it an attractive choice for savers seeking higher returns without any direct deposit requirements or maintenance fees. This account is online-only and requires no minimum deposit or balance, ensuring simplicity for users. In contrast, PNC's highest yield product, the High Yield Savings account, offers a lower APY of 3.53%, and eligibility is restricted to certain states. While PNC provides a Standard Savings account with a minimal APY of 0.03%, E*TRADE's Premium Savings Account stands out as the better option for those prioritizing higher interest rates.
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.
Top Market Contenders
See who beats both E*TRADE from Morgan Stanley and PNC.
| Feature | E*TRADE from Morgan Stanley | PNC |
|---|---|---|
| APY | 3.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 3.53% Verified: 12/10/2025 ↘︎ 0.42%90d Change |
| Product Name | Premium Savings Account | PNC High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0+ | $0 |
| 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 Android4.6 |
| BBB Rating | D- | A+ |
| Important Notes | - | Eligibility restricted to select states. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | E*TRADE from Morgan Stanley | PNC | |
|---|---|---|---|
| Premium Savings Account | PNC High Yield Savings | Standard Savings | |
Current APY | 3.75% | 3.53% | 0.03% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.4 | -3.8 | 0.2 |
Days Since Change | 78 | 27 | 223 |
9-Month High | 4.00% | 3.95% | 0.03% |
9-Month Low | 3.75% | 3.53% | 0.01% |
Adjustments / Mo | 0.11 | 0.32 | 0.11 |
Volatility Score | 0.030 | 0.038 | 0.305 |
How to read these metrics(Click to expand)
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