Available nationwide, the Morgan Stanley Preferred Savings account is offering 3.75% APY on your funds.
Update 9/19/25: The rate has decreased to 3.75% APY from 4.00%.
| Balance Requirement | APY Rate |
| $1,000-$10M+ | 3.75% APY |
Morgan Stanley Preferred Savings Rate
- Account Type: Preferred Savings
- Interest Rate: 3.75% APY
- Availability: Nationwide
- Minimum Balance: $1,000
- Maximum Balance: $10,000,000
- Credit inquiry: Unknown
- Opening Deposit: $1,000
- Monthly Fees: None listed
- Early Termination Fee: None listed
(FDIC Insured)
| PROMOTIONAL LINK | OFFER | REVIEW |
| NexBank High Yield Savings | 4.15% APY + $1000 Bonus | Review |
| Always.Bank Savings | 4.10% APY | Review |
| CIT Bank Platinum Savings | Up to 4.10% APY | Review |
| FVCbank Advantage Direct Savings | 4.01% APY | Review |
| Valley Direct Online Savings | 4.00% APY | Review |
| Valley Bank High Yield Savings | 3.96% APY + $1000 Bonus | Review |
| Live Oak Bank Savings | 4.00% APY + $300 Bonus | Review |
| Centier Bank High Yield Savings | 3.85% APY + $1000 Bonus | Review |
| Western Alliance Bank High-Yield Savings | 3.80% APY + $1000 Bonus | Review |
| CIT Bank Savings Connect | 3.65% APY | Review |
| Quontic Bank High Yield Savings | 3.50% APY | Review |
| SoFi Checking and Savings Account | 3.30% APY + $325 Bonus | Review |
| Betterment Cash Reserve | 3.25% APY | Review |
| Upgrade Premier Savings | 3.05% APY | Review |
Morgan Stanley Preferred Savings ACH Capabilities and Limits
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | ? | ? | ? | |
| Pull | ? | ? | ? |
How to Earn Morgan Stanley Preferred Savings Rate
- Open a new account with a minimum opening deposit of $1,000.
- Earn 3.75% APY.
Why You Should Sign Up For This Account
- 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.
 |
 |
 |
Bottom Line
If you’re looking to open an interest bearing account, here’s an account to consider.
Interested in Bank Bonuses? See our favorite banks including HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.
For more bank offers, see the complete list of Best Bank Rates!
