E*TRADE from Morgan Stanley vs. Salem Five Direct
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
Salem Five Direct
eOne Savings
3.71%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Salem Five Direct
eOne 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. Salem Five Direct Savings Calculator
E*TRADE from Morgan Stanley earns $25.7 more than Salem Five Direct.
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
Salem Five Direct
eOne Savings
Savings Breakdown
- Interest Earned+$2,248.10(11.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,248.10
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. Salem Five Direct
Why E*TRADE from Morgan Stanley?
- ✓Higher rated Android app (4.7 vs 4.2)
Why Salem Five Direct?
No distinct advantages found vs E*TRADE from Morgan Stanley.
Shared Benefits
Over a 1-year period, E*TRADE from Morgan Stanley's Premium Savings Account pays $4 more interest on a $10,000 balance than Salem Five Direct's eOne 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 the top choice compared to Salem Five Direct's eOne Savings at 3.71%. Both accounts are online-only, require no maintenance fees, and have no direct deposit requirements. E*TRADE's account has a minimum deposit of $0 and a minimum balance of $0+, while Salem Five Direct requires a $10 minimum deposit and a minimum balance of $0.01. Overall, E*TRADE's slightly higher APY positions it as the winner.
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 Salem Five Direct.
| Feature | E*TRADE from Morgan Stanley | Salem Five Direct |
|---|---|---|
| APY | 3.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 3.71% Verified: 12/10/2025 ↘︎ 0.30%90d Change |
| Product Name | Premium Savings Account | eOne Savings |
| Minimum Deposit | $0 | $10 |
| Min. Balance for APY | $0+ | $0.01 |
| 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 | iOS4.7 Android4.2 |
| BBB Rating | D- | A- |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | E*TRADE from Morgan Stanley | Salem Five Direct |
|---|---|---|
| Premium Savings Account | eOne Savings | |
Current APY | 3.75% | 3.71% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.2 | -2.9 |
Days Since Change | 78 | 35 |
10-Month High | 4.00% | 4.01% |
10-Month Low | 3.75% | 3.71% |
Adjustments / Mo | 0.10 | 0.20 |
Volatility Score | 0.030 | 0.030 |
How to read these metrics(Click to expand)
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