Bank · FDIC insured
E*TRADE from Morgan Stanley Savings Rates
Top CarrotE*TRADE from Morgan Stanley’s best savings rate is 4.25% APY on $10,000, with its Premium Savings Account. Rates checked October 23, 2026.
How E*TRADE from Morgan Stanley’s savings 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
4.25%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $425
Premium Savings Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
E*TRADE from Morgan Stanley savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0004.25%
- $10,000 balance$10,0004.25%
- $100,000 balance$100,0004.25%
- QualifiedQualified4.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Premium Savings Account
Up to 4.25%APY
Account must be funded within 90 days of opening to remain open. Enhanced FDIC coverage available up to $500,000 for individual accounts ($1M for joint).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000,000Limited-time promotional boosted rate fixed for 6 months for new accounts opened between September 22, 2026 and January 10, 2027. Max balance eligible is $10,000,000; after 6 months rate reverts to standard APY. | 4.25% | $425 | Limited-time promotional boosted rate fixed for 6 months for new accounts opened between September 22, 2026 and January 10, 2027. Max balance eligible is $10,000,000; after 6 months rate reverts to standard APY. |
| Any balanceStandard base rate. Variable and subject to change at any time. | 3.75% | $375 | Standard base rate. Variable and subject to change at any time. |
Sources (2)
All captured Oct 5, 2026
Closed to new customers
Complete Savings Account
0.01%APY
No longer available for new account opening. Supported product for existing account holders.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate, subject to change at any time. Available only to existing accounts. Official bank check has a $15 fee for each request in excess of one per calendar month.Any balance | 0.01% | $1 | Variable rate, subject to change at any time. Available only to existing accounts. Official bank check has a $15 fee for each request in excess of one per calendar month. |
Sources (2)
All captured Oct 5, 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.