Savings rate
E*TRADE (Morgan Stanley Private Bank) · Premium Savings (intro 6 mo)
4.25% APY
The terms
| APY | 4.25% |
|---|---|
| Note | 4.25% for 6 months with promo, then base 3.75% APY (as of 10/24/2026) |
In their own words
Now get 4.25% APY for 6 months ... Afterward, you'll earn our base rate, which is currently 3.75%. 3.75% Base Annual Percentage Yield (APY) as of 10/24/2026
Quoted from https://us.etrade.com/promo/savings, checked 2026-10-24.
See the offer at E*TRADE (Morgan Stanley Private Bank)Battle math
| Amount | 30 days | 90 days | 180 days | 365 days |
|---|---|---|---|---|
| $5,000 | +$17 | +$52 | +$105 | +$213 |
| $10,000 | +$35 | +$105 | +$210 | +$425 |
| $25,000 | +$87 | +$262 | +$524 | +$1,063 |
| $100,000 | +$349 | +$1,048 | +$2,096 | +$4,250 |
Dollars you keep = bonus + interest earned (APY over the days) − estimated fees. "—" means the amount or time doesn't qualify.
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