Compound Interest Calculator
CD 2-year Account from Morgan Stanley Private Bank (Offered through ETrade) with 4.40% APY and $0 minimum deposit
Use or Change These Amounts and Rates
The product CD 2-year Account from Morgan Stanley Private Bank (Offered through ETrade) with 4.40% APY and $0 minimum deposit and a tax rate of 30 compounded annually, with an initial amount of $20,000, after 10 years would have grown your savings to approximately $30,763. The interest earned would be $10,763 and the tax amount on the interest earned would be approximately $3,229.
Please note that this analysis assumes a constant interest rate and doesn't take into account any fees associated with the savings account.
The Results for Morgan Stanley Private Bank (Offered through ETrade)
Savings Boost of
$6,575 over 10 years
$6,575 over 10 years
Cash Savings
$20,000
Average Interest Earned
$959
Morgan Stanley Private Bank (Offered through ETrade) Interest Earned
$7,534
See comparison detail table
This analysis is for demonstrative purposes only and may change should certain assumptions prove incorrect. Savings rates may change and CD rates may not be renewable for the length of the term of the analysis. The difference between the bank rate entered and the average rate may not remain constant throughout the term.
Comparison Detail Table Close X
Average Rate Scenario
| Rate: 0.67% |
Annual Interest |
Annual Interest (After Tax) |
|
|---|---|---|---|
| 1 | 20,000 | 133 | 93 |
| 2 | 20,133 | 134 | 94 |
| 3 | 20,267 | 135 | 94 |
| 4 | 20,402 | 136 | 95 |
| 5 | 20,537 | 137 | 96 |
| 6 | 20,674 | 137 | 96 |
| 7 | 20,811 | 138 | 97 |
| 8 | 20,950 | 139 | 98 |
| 9 | 21,089 | 140 | 98 |
| 10 | 21,229 | 141 | 99 |
| TOTAL: | $1,371 | $959 |
Morgan Stanley Private Bank (Offered through ETrade) Scenario
| Rate: 4.40% |
Annual Interest |
Annual Interest (After Tax) |
|
|---|---|---|---|
| 1 | 20,000 | 880 | 616 |
| 2 | 20,880 | 919 | 643 |
| 3 | 21,799 | 959 | 671 |
| 4 | 22,758 | 1,001 | 701 |
| 5 | 23,759 | 1,045 | 732 |
| 6 | 24,805 | 1,091 | 764 |
| 7 | 25,896 | 1,139 | 798 |
| 8 | 27,035 | 1,190 | 833 |
| 9 | 28,225 | 1,242 | 869 |
| 10 | 29,467 | 1,297 | 908 |
| TOTAL: | $10,763 | $7,534 |
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Recent Rate Changes
| Date | APY |
|---|---|
| September 22, 2026 | 4.40% |
| July 21, 2026 | 4.30% |
| May 22, 2026 | 4.00% |
| May 4, 2026 | 3.75% |
| March 31, 2026 | 4.00% |
Featured CD Rates
Advertiser Disclosure| ONLINE BANKS | APY? | MIN? | ||
|---|---|---|---|---|
|
|
4.50% | $100,000 |
Learn More on the North American Savings Bank, F.S.B. website |
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Decide once. Earn for a year. A full year of predictable earnings with our 12-Month Jumbo CD. 12-Month |
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5.00% |
$10,000 |
Learn More | |
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Last change: ↑0.05% on October 8. |
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4.95% |
$10,000 |
Learn More | |
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Last change: ↑0.10% on October 8. |
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4.85% |
$10,000 |
Learn More | |
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Last change: ↑0.05% on October 8. |
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|
4.70% |
$500 |
Learn More | |
|
Last change: ↑0.66% on April 27. |
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Customer Reviews for Morgan Stanley Private Bank (Offered through ETrade)
2.3 out of 5 based on 3 ratings
FROZE-ACCOUNT
January 10, 2024 |
Account was frozen (over 400K) after they confused our account with another account / person whose name was not even very similar. We were treated like dirt after 12 years and "Guilty until Innocent". I had to get a lawyer involved to help and the attorney was so bothered, she later charged us only half her fee but still about $1,000 we did not get back for THE BANK ERROR was NOT our fault in ANY way. They would not even waive the transfer fee out when we left ($75 transfer to new brokerage + $95 account closure fee). We had three accounts. This really took a sting. They were nasty until the end. I would pick a smaller brokerage. I was a cog in the system and I have heard of account freezes happening to others by mistake.
Is this review helpful? Yes:5 / No: 0
DMB
July 29, 2022 |
Been with Etrade-Morgan Stanley for decades. Always fantastic service & can move funds online in a second from savings to brokerage for trading. Very competitive on saving rates. Very happy customer in Frisco, TX!
Is this review helpful? Yes:2 / No: 0
MKS
September 8, 2019 |
Opened an account and did $1000 for my initial deposit. If your balance averages below $1000 they charge you $10 a month. ETrade withdrew the $1000 from my checking account then, without reason, abruptly decided to close my account. I called them to find out why they closed it and they would not give me a reason other than "we decided not to do business with you". Mind you, I have 5 other online savings account and my credit is in good standing. I have no criminal history. So after they took $1000 out of my checking account, they froze my etrade savings account and I had no way of getting my $1000 back. 5 phone calls and hours of my time later I was able to get my local bank to reverse debit the $1000 back from the jerks. BEWARE!! I would not use them for online savings or for a brokerage account. Very very poor way to treat a new customer. They will withdraw your money, then freeze your account and you have a big problem on your hands. STAY AWAY!!!!!!!!
Is this review helpful? Yes:11 / No: 1
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