High-Yield Savings Account Comparison

E*TRADE from Morgan Stanley vs. TD Bank

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

TD Bank

TD Signature Savings

Up to
2.75%
APY
Dec 10, 2025
FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person Access
Range: 0.05% – 2.75%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$100,000
Maintenance Fee$10. Waived under some circumstances.
Compound FreqMonthly
Direct DepositNot required
Branch AccessMultiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
Deposit InsuranceFDIC Insured(Cert: 33947)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.0
BBB Rating
Not Rated(Not BBB Accredited)

Important Note

This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY.

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

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.

See Top Rates

E*TRADE from Morgan Stanley vs. TD Bank Savings Calculator

Calculations based on current APY for Premium Savings Account and TD Signature Savings
$
$

E*TRADE from Morgan Stanley earns $2,245.2 more than TD Bank.

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

TD Bank

TD Signature Savings

2.75% APY

Higher APY requires $100,000

Savings Breakdown

  • Interest Earned
    +$28.60(0.2%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$18,028.60

Effective APY
0.05%
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. TD Bank

Updated: Dec 10, 2025

Why E*TRADE from Morgan Stanley?

  • ✓Higher potential APY (3.75% vs 2.75%) on all balances
  • ✓No checking account or direct deposit required
  • ✓Higher rated Android app (4.7 vs 4.0)

Why TD Bank?

  • ✓Physical branch access (Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC)

— Key Feature Differences —

Better Returns at $10,000
E*TRADE from Morgan Stanley

E*TRADE from Morgan Stanley's Premium Savings Account earns more on smaller deposits (approx. $375 vs $0/yr).

Better Returns at $25,000
E*TRADE from Morgan Stanley

E*TRADE from Morgan Stanley's Premium Savings Account pulls ahead with larger amounts (approx. $938 vs $0/yr).

Best for Simplicity
E*TRADE from Morgan Stanley

E*TRADE from Morgan Stanley's Premium Savings Account offers 3.75% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

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, E*TRADE from Morgan Stanley's Premium Savings Account pays $370 more interest on a $10,000 balance than TD Bank's TD Signature Savings.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

TD BankE*TRADE from Morgan Stanley
Automated Data Audit

Executive Summary

E*TRADE from Morgan Stanley offers a Premium Savings Account with a competitive APY of 3.75%, making it the superior option compared to TD Bank's TD Signature Savings, which has a maximum APY of 2.75% but requires a minimum balance of $100,000 for that rate. E*TRADE's account has no direct deposit requirement, no maintenance fees, and is online-only, providing a straightforward savings solution. In contrast, TD Bank's account is tiered and may yield lower rates for smaller balances, with a maximum APY of only 0.05% for balances below the threshold. Overall, E*TRADE presents a more accessible and higher-yielding savings option.

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 StanleyExploreTD Bank

Top Market Contenders

See who beats both E*TRADE from Morgan Stanley and TD Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.85% vs E*TRADE from Morgan Stanley
Better Rate
Pibank vs E*TRADE from Morgan StanleyPibank vs TD Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.56% vs E*TRADE from Morgan Stanley
Better Rate
Axos Bank vs E*TRADE from Morgan StanleyAxos Bank vs TD Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.65% vs E*TRADE from Morgan Stanley
Better Rate
TIMBR vs E*TRADE from Morgan StanleyTIMBR vs TD Bank
FeatureE*TRADE from Morgan StanleyTD Bank
APY
3.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
2.75%
Range: 0.05% - 2.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NamePremium Savings AccountTD Signature Savings
Minimum Deposit$0$0
Min. Balance for APY$0+$100,000
Monthly Fee$0$10. Waived under some circumstances.
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNo Yes
Mobile Apps
iOS4.7
Android4.7
iOS4.8
Android4.0
BBB RatingD-Not Rated
Important Notes-This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY.
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricE*TRADE from Morgan StanleyTD Bank
Premium Savings AccountTD Signature Savings
Current APY
3.75%2.75%
Trend
 Stable Stable
Velocity (bps/mo)
-3.2-8.2
Days Since Change
7868
10-Month High
4.00%3.51%
10-Month Low
3.75%2.75%
Adjustments / Mo
0.100.30
Volatility Score
0.0300.080
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 Alternatives

Compare E*TRADE from Morgan Stanley vs...

Comparing against Standard Savings

vs E*TRADE from Morgan Stanley
PibankNo Bundle Req
4.60%
APY
vs E*TRADE from Morgan Stanley
TIMBRNo Bundle Req
4.40%
APY
vs E*TRADE from Morgan Stanley
Newtek BankNo Bundle Req
4.35%
APY

Compare TD Bank vs...

Comparing against other Bundled Accounts

vs TD Bank
Axos BankChecking Bundle
4.31%
APY
vs TD Bank
SoFi BankChecking Bundle
4.30%
APY
vs TD Bank
Presidential BankChecking Bundle
4.00%
APY

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 Pibank4.60%$0
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 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 TD Bank's APY of 2.75% with other banks
Bank PairCompetitor APYMin Deposit
TD Bank vs Affirm3.60%$0
TD Bank vs Ally Bank3.30%$0
TD Bank vs American Express3.40%$0
TD Bank vs Axos Bank4.31%$0
TD Bank vs Bank of America0.01%$100
TD Bank vs Barclays4.00%$0
TD Bank vs Bask Bank3.90%$0
TD Bank vs Betterment3.50%$10
TD Bank vs BMO Alto3.25%$0
TD Bank vs Bread Savings4.10%$100
TD Bank vs BrioDirect4.00%$5,000
TD Bank vs Capital One3.40%$0
TD Bank vs Charles Schwab Bank0.15%$0
TD Bank vs Chase Bank0.01%$0
TD Bank vs Chime3.50%$0
TD Bank vs CIT Bank3.75%$100
TD Bank vs Citibank3.30%$0
TD Bank vs Citizens Access™3.15%$0.01
TD Bank vs Climate First Bank4.21%$50
TD Bank vs Discover Bank3.40%$0
TD Bank vs Elevault4.08%$0
TD Bank vs EverBank4.05%$0
TD Bank vs Fitness Bank4.75%$100
TD Bank vs FNBO Direct3.00%$1
TD Bank vs Forbright Bank4.00%$0
TD Bank vs FVCbank3.85%$500
TD Bank vs GO2bank4.50%$0
TD Bank vs Ivy Bank4.25%$2,500
TD Bank vs LendingClub4.20%$0
TD Bank vs Marcus by Goldman Sachs3.65%$0
TD Bank vs Neighbors Bank4.30%$0
TD Bank vs Newtek Bank4.35%$0.01
TD Bank vs Openbank4.20%$500
TD Bank vs Peak Bank4.20%$100
TD Bank vs Pibank4.60%$0
TD Bank vs PNC3.53%$0
TD Bank vs Presidential Bank4.00%$5,000
TD Bank vs Quontic Bank3.75%$100
TD Bank vs Salem Five Direct3.71%$10
TD Bank vs Sallie Mae Bank3.90%$0
TD Bank vs Santander Bank0.01%$25
TD Bank vs SoFi Bank4.30%$0
TD Bank vs Synchrony Bank3.65%$0
TD Bank vs TIMBR4.40%$1,000
TD Bank vs UFB Direct3.71%$5000
TD Bank vs Upgrade3.05%$0
TD Bank vs Valley Direct4.10%$1,000
TD Bank vs Varo Bank5.00%$0
TD Bank vs Vio Bank4.16%$100
TD Bank vs Wealthfront4.15%$0
TD Bank vs Wells Fargo0.05%$25
TD Bank vs Zynlo Bank4.05%$10