E*TRADE from Morgan Stanley vs. UFB 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
UFB Direct
UFB Checking and Savings Bundle
Up to3.71%APYDec 10, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.51% – 3.71%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
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. UFB Direct Savings Calculator
E*TRADE from Morgan Stanley earns $55.1 more than UFB 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
UFB Direct
UFB Checking and Savings Bundle
Higher APY requires $10,000
Savings Breakdown
- Interest Earned+$2,218.70(11.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,218.70
Sponsored Link
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. UFB Direct
Why E*TRADE from Morgan Stanley?
- ✓Higher rated Android app (4.7 vs 4.3)
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
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 $4 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
*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 higher-yield option compared to UFB Direct's UFB Portfolio Savings, which has an APY of 3.51%. Both accounts require no minimum deposit or maintenance fees, and they are online-only products. E*TRADE's account does not require direct deposit, providing added flexibility. In contrast, UFB Direct also offers a checking and savings bundle that can yield up to 3.71% APY with certain conditions, including a minimum balance and direct deposit requirements. Overall, E*TRADE stands out for simplicity and higher yield.
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 UFB Direct.
| Feature | E*TRADE from Morgan Stanley | UFB Direct |
|---|---|---|
| APY | 3.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 3.71% Range: 3.51% - 3.71% Verified: 12/10/2025 ↘︎ 0.50%90d Change |
| Product Name | Premium Savings Account | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5000 |
| Min. Balance for APY | $0+ | $10,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.7 Android4.7 | iOS4.8 Android4.3 |
| BBB Rating | D- | A+ |
| Important Notes | - | The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Next Steps | SponsoredOpen Account |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | E*TRADE from Morgan Stanley | UFB Direct | |
|---|---|---|---|
| Premium Savings Account | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.75% | 3.71% | 3.51% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.2 | -5.2 | -5.2 |
Days Since Change | 78 | 41 | 41 |
10-Month High | 4.00% | 4.21% | 4.01% |
10-Month Low | 3.75% | 3.71% | 3.51% |
Adjustments / Mo | 0.10 | 0.30 | 0.30 |
Volatility Score | 0.030 | 0.048 | 0.051 |
How to read these metrics(Click to expand)
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