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?? E*TRADE Checking Account Review: Pros and Cons Uncoverede-trade savings account interest rate. As of 11/04/, the Annual Percentage Yield (APY) of the Premium Savings Account offered by Morgan Stanley Private Bank, National Association is %. Your. The E*TRADE Premium Savings account has a % APY. That's nearly 10 times the national average of % for savings accounts, according to.