Bank · FDIC insured
E*TRADE from Morgan Stanley CD Rates
Top CarrotE*TRADE from Morgan Stanley’s best CD rate is 4.75% APY on a 1-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How E*TRADE from Morgan Stanley’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where E*TRADE from Morgan Stanley has the most branches. $10,000, best rate first.
This bank’s best
E*TRADE from Morgan Stanley
4.75%APY
- Term
- 12 months
- Minimum
- $0
- Earns on $10,000
- $475
Certificates of Deposit
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
E*TRADE from Morgan Stanley CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.20%
- 9–15 months9–15 mo4.75%
- 16–30 months16–30 mo4.40%
- 31–60 months31–60 mo4.40%
- QualifiedQualified4.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where E*TRADE from Morgan Stanley ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.75%APY · 7 terms
Fixed rates. Open minimum $0. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.20% | $208 |
| 9 months | 4.40% | $328 |
| 12 monthsOffer expires 10/19/2026 | 4.75% | $475 |
| 18 months | 4.40% | $667 |
| 24 months | 4.40% | $899 |
| 36 months | 4.40% | $1,379 |
| 60 months | 4.40% | $2,402 |
Sources (3)
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.