E*TRADE from Morgan Stanley vs. Wealthfront
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
Wealthfront
Cash Account
Up to4.15%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.15%Show Fine Print & Trends Hide Details
Wealthfront
Cash Account
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.
E*TRADE from Morgan Stanley vs. Wealthfront Savings Calculator
Wealthfront earns $258 more than E*TRADE from Morgan Stanley.
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
Wealthfront
Cash Account
Savings Breakdown
- Interest Earned+$2,531.80(12.3%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,531.80
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. Wealthfront
Why E*TRADE from Morgan Stanley?
- ✓No checking account or direct deposit required
Why Wealthfront?
- ✓Higher potential APY (4.15% vs 3.75%) on all balances
— Key Feature Differences —
Better Returns at $10,000
WealthfrontWealthfront's Cash Account earns more on smaller deposits (approx. $415 vs $375/yr).
Better Returns at $25,000
WealthfrontWealthfront's Cash Account pulls ahead with larger amounts (approx. $1038 vs $938/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, Wealthfront's Cash Account pays $40 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.
Executive Summary
Wealthfront offers a Cash Account with a competitive APY of 4.15%, making it the higher-yield option compared to E*TRADE from Morgan Stanley's Premium Savings Account, which provides a 3.75% APY. Both accounts have no minimum deposit requirements, no maintenance fees, and are online-only. However, Wealthfront's promotional rate of 4.15% is available for the first three months, after which it drops to 3.50%. E*TRADE's account stands out for its simplicity, as it does not require direct deposit or bundling. Overall, for those seeking the highest returns, Wealthfront is the clear 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 Wealthfront.
| Feature | E*TRADE from Morgan Stanley | Wealthfront |
|---|---|---|
| APY | 3.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 4.15% Range: 3.50% - 4.15% Verified: 12/10/2025 - |
| Product Name | Premium Savings Account | Cash Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0+ | $0 |
| 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 | iOS4.8 Android4.9 |
| BBB Rating | D- | F |
| Important Notes | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | E*TRADE from Morgan Stanley | Wealthfront |
|---|---|---|
| Premium Savings Account | Cash Account | |
Current APY | 3.75% | 4.15% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 |
Days Since Change | 26 | 26 |
1-Month High | 3.75% | 4.15% |
1-Month Low | 3.75% | 4.15% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare E*TRADE from Morgan Stanley vs...
Comparing against Standard Savings
Compare Wealthfront vs...
Comparing against Standard Savings
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.