Available nationwide, open a Morgan Stanley Preferred Savings account and earn 3.75% APY.
Update 9/19/25: The rate has decreased to 3.75% APY from 4.00%.
Morgan Stanley Preferred Savings Rate
To easily earn Morgan Stanley’s competitive rate, start by opening their Preferred Savings account.
- Eligible account: Preferred Savings
- Credit inquiry: Soft Pull or Hard Pull?
- Where it’s available: Nationwide
- Opening Deposit: $1,000
- Monthly fee: None listed
- Early Termination Fee: Not listed
(FDIC Insured)
| PROMOTIONAL LINK | OFFER | REVIEW |
| SoFi Checking and Savings Account | 3.30% APY + $325 Bonus | Review |
| Always.Bank Savings | 4.00% APY | Review |
| Valley Direct Online Savings | 4.00% APY | Review |
| Valley Bank High Yield Savings | 3.96% APY + $1200 Bonus | Review |
| Centier Bank High Yield Savings | 3.90% APY + $1200 Bonus | Review |
| American First Credit Union Money Market | 3.90% APY + $1200 Bonus | Review |
| Western Alliance Bank High-Yield Savings | 3.80% APY + $1200 Bonus | Review |
| Live Oak Bank Savings | 3.80% APY | Review |
| CIT Bank Platinum Savings | 3.75% APY | Review |
| CIT Bank Savings Connect | 3.65% APY | Review |
| Quontic Bank High Yield Savings | 3.50% APY | Review |
| Robinhood Gold | 3.25% APY | Review |
| Betterment Cash Reserve | 3.25% APY | Review |
| Upgrade Premier Savings | 3.05% APY | Review |
How to Earn Rate
- Open a new account with a minimum opening deposit of $1,000.
- Earn 3.75% APY.
| Balance Requirement | APY Rate |
| $1,000-$10M+ | 3.75% APY |
Account Features
- Competitive Rate over the National Savings Average
- Convenient and Flexible Access to Funds. With same day availability, provides convenient access to your cash reserves within your investment portfolio.
- Your Deposits Are FDIC Insured. Deposits are FDIC insured, up to applicable limits.
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Conclusion
If you’re looking for a savings account that offers a competitive rate, here’s a great candidate.
Let us know about your experience with this bank and comment below.
In addition to the rate, check out our list of best rates Savings, Money Market, and CD accounts.
If you are interested in expanding your financial future, definitely use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.
