Where should $25,000 go for 365 days?
Right now the champion is E*TRADE (Morgan Stanley Private Bank) Premium Savings Account : you keep about +$1,463 on $25,000 over 365 days. Ranked by math only, checked 2026-10-24.
| Rank | Fighter | You keep | How it adds up | What it takes | Status |
|---|---|---|---|---|---|
| ★★★ | E*TRADE (Morgan Stanley Private Bank) Premium Savings Account | +$1,463 on $25,000 over 365 days | $400 bonus + $1,063 interest (4.25% APY) equals ~5.85% annualized | $20,000 new money | Ends 2027-01-10 |
| ▲▲ | Barclays 12-month Online CD | +$1,125 on $25,000 over 365 days | 4.5% APY · 12-mo CD → $1,125 interest | Lock for 12 months | Rate |
| ▲ | Marcus by Goldman Sachs 12-month CD | +$1,100 on $25,000 over 365 days | 4.4% APY · 12-mo CD → $1,100 interest | Lock for 12 months | Rate |
| #4 | Capital One Special 11-month 360 CD | +$1,100 on $25,000 over 365 days | 4.4% APY · 11-mo CD → $1,100 interest | Lock for 11 months | Rate |
| #5 | E*TRADE (Morgan Stanley Private Bank) Premium Savings (intro 6 mo) | +$1,063 on $25,000 over 365 days | 4.25% APY → $1,063 interest | Park it, withdraw anytime | Rate |
| #6 | Live Oak Bank Personal High-Yield Savings | +$1,000 on $25,000 over 365 days | 4% APY → $1,000 interest | Park it, withdraw anytime | Rate |
| #7 | Barclays 6-month Online CD | +$1,000 on $25,000 over 365 days | 4% APY · 6-mo CD → $1,000 interest | Lock for 6 months | Rate |
| #8 | Citizens Access 8-month Online CD | +$1,000 on $25,000 over 365 days | 4% APY · 8-mo CD → $1,000 interest | Lock for 8 months | Rate |
| #9 | Barclays Tiered Savings (top tier) | +$913 on $25,000 over 365 days | 3.65% APY → $913 interest | Park it, withdraw anytime | Rate |
| #10 | Chase Chase Total Checking + Chase Savings | +$900 on $25,000 over 365 days | $900 bonus equals ~3.60% annualized | $15,000 in savings + direct deposit · Direct deposit · soft pull | Ends 2027-01-27 |
| #11 | Synchrony Bank High Yield Savings | +$888 on $25,000 over 365 days | 3.55% APY → $888 interest | Park it, withdraw anytime | Rate |
| #12 | Wealthfront Cash Account (base) | +$888 on $25,000 over 365 days | 3.55% APY → $888 interest | Park it, withdraw anytime | Rate |
| #13 | Marcus by Goldman Sachs Online Savings | +$875 on $25,000 over 365 days | 3.5% APY → $875 interest | Park it, withdraw anytime | Rate |
| #14 | Capital One 360 Performance Savings | +$800 on $25,000 over 365 days | 3.2% APY → $800 interest | Park it, withdraw anytime | Rate |
| #15 | Ally Bank Savings Account | +$800 on $25,000 over 365 days | 3.2% APY → $800 interest | Park it, withdraw anytime | Rate |
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