Capital One vs. E*TRADE from Morgan Stanley
Capital One's 360 Performance Savings pays 3.00% APY while E*TRADE from Morgan Stanley's Premium Savings Account pays 3.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? E*TRADE from Morgan Stanley pays $50 more than Capital One annually ($350 vs $300).
Choose Capital One if BBB rating matters to you, or you value in-person banking. Choose E*TRADE from Morgan Stanley if getting the best rate matters most.
| Metric | Capital OneBusiness Savings Account Aug 20, 2026 | E*TRADE from Morgan StanleyPremium Savings Account Aug 21, 2026 |
|---|---|---|
| APY | 3.50% | 3.50% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often |
Market Reality Check
Both of these institutions offer rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.
Comparison Analysis
Comparing Capital One vs. E*TRADE from Morgan Stanley
Executive Summary
A detailed summary for this comparison is being prepared. Check back soon.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Offers 3 different high-yield savings options
Why E*TRADE from Morgan Stanley?
No distinct advantages found vs Capital One.
Shared Benefits
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. E*TRADE from Morgan Stanley Savings Calculator
Both accounts earn exactly the same amount.
Capital One
Business Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
E*TRADE from Morgan Stanley
Premium Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $349 per year in interest.
Both Capital One and E*TRADE from Morgan Stanley dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | E*TRADE from Morgan Stanley |
|---|---|---|
| APY | 3.50% Verified: 8/20/2026 - | 3.50% Verified: 8/21/2026 - |
| Product Name | Business Savings Account | Premium Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | N/A | $0 |
| Compound Frequency | Monthly | Daily |
| In-Branch Access | Yes | No |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Available Available for Premium Savings and Checking. |
| BBB Rating | A+ | D- |
| Next Steps | Visit SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at E*TRADE from Morgan Stanley Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | E*TRADE from Morgan Stanley | |
|---|---|---|---|
| 360 Performance Savings | Business Savings Account | Premium Savings Account | |
Current APY | 3.00% | 3.50% | 3.50% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.5 | 0.0 | 3.1 |
Days Since Change | 80 | 149 | 66 |
7-Month High | 3.20% | 3.50% | 3.50% |
7-Month Low | 3.00% | 3.50% | 3.25% |
Adjustments / Mo | 0.30 | 0.00 | 0.30 |
Volatility Score | 0.026 | 0.000 | 0.031 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Capital One vs...
Comparing against Standard Savings
Compare E*TRADE from Morgan Stanley vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.