Morgan Stanley CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 0.42%, 6-month CD rates at 2.52% and 3-month CD rates at 0.30%. Current savings rates are at 0.50% and money market rates are at 2.80%. Mortgage rates today on 30-year fixed loans are around 7.09%. Credit Card rates are at 13.74%. Personal Loan rates are at 8.49%. All these rates, and more, can be found in our database of rates. Morgan Stanley's 3-Month CD brokered rates are at 5.14%, 6-Month CD brokered rates are at 5.11%, 11-Month CD brokered rates are at 5.01%.

Morgan Stanley

To see how these rates compare to Morgan Stanley CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Morgan Stanley, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Morgan Stanley CD rates. You can also compare Morgan Stanley savings rates, MMA rates and mortgage rates using our other rate lists.

Morgan Stanley money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Morgan Stanley? Share your experience about Morgan Stanley by leaving a review below, or read customer reviews before you decide to use Morgan Stanley.

Morgan Stanley Texas Ratio

Morgan Stanley's Texas Ratio is at 2.03%, which is considered excellent. The Texas Ratio for Morgan Stanley is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Morgan Stanley is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Morgan Stanley
201 S Main St Fl 5
Salt Lake City, UT 84111
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Morgan Stanley CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Morgan Stanley
Morgan Stanley
3-Month CD brokered
5.14%
$1,000
Morgan Stanley
Morgan Stanley
6-Month CD brokered
5.11%
$1,000
Morgan Stanley
Morgan Stanley
11-Month CD brokered
5.01%
$1,000

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Morgan Stanley Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Prime Alliance Bank
Prime Alliance Bank
6-Month CD
5.30%
$500
Peoples Bank of Kentucky
Peoples Bank of Kentucky
17-Month CD
5.20%
$1,000
Farmers Trust & Savings Bank Earling, IA
Farmers Trust & Savings Bank Earling, IA
6-Month CD
5.00%
$5,000
Jones Bank
Jones Bank
9-Month CD special
5.00%
$500
USAA
USAA
12-Month CD
4.80%
$1,000
Bath State Bank
Bath State Bank
12-Month CD special
4.75%
$500
Toyota Financial Savings Bank
Toyota Financial Savings Bank
18-Month CD
4.73%
$1
First Bank Hampton
First Bank Hampton
12-Month Jumbo CD
4.65%
$100,000
Winchester Co-operative Bank
Winchester Co-operative Bank
36-Month CD
4.00%
$500
Great Plains State Bank
Great Plains State Bank
36-Month CD
3.60%
$500
BankSouth GA
BankSouth GA
Checking Account Performance
3.56%
$0
Bank of Rantoul
Bank of Rantoul
60-Month CD
3.44%
$500
Abnb Federal Credit Union
Abnb Federal Credit Union
36-Month CD certificate
3.30%
$1,000
Conway National Bank (CNB)
Conway National Bank (CNB)
48-Month CD
3.20%
$500
Pennsville National Bank
Pennsville National Bank
24-Month CD
3.04%
$500
BankVista
BankVista
Money Market Savings
3.04%
$100,000
CNB of Park Rapids
CNB of Park Rapids
12-Month CD
3.03%
$500
Bank of Kampsville
Bank of Kampsville
18-Month CD
3.03%
$1,000
Texas Heritage National Bank
Texas Heritage National Bank
60-Month CD Two bump Rate
2.53%
$10,000
Dieterich Bank
Dieterich Bank
48-Month CD
2.50%
$500
BrioDirect
BrioDirect
36-Month CD
2.45%
$500
Triad Bank, N.A.
Triad Bank, N.A.
18-Month CD
2.36%
$1,000
Prevail Bank
Prevail Bank
36-Month CD
2.12%
$1,000
Unison Bank
Unison Bank
30-Month CD
2.00%
$2,500
Exchange State Bank Ames, IA
Exchange State Bank Ames, IA
24-Month CD
2.00%
$1,000
Southwest Missouri Bank
Southwest Missouri Bank
36-Month CD
2.00%
$500
Republic Bank of Chicago
Republic Bank of Chicago
Choice Checking
2.00%
$25
West Union Bank
West Union Bank
36-Month CD
1.90%
$500
Logansport Savings Bank
Logansport Savings Bank
48-Month CD
1.86%
$1,000
Central State Bank Clayton, IL
Central State Bank Clayton, IL
48-Month CD
1.76%
$1,000
La Salle State Bank
La Salle State Bank
30-Month CD
1.51%
$1,000
Walpole Co-operative Bank
Walpole Co-operative Bank
Money Market Account
1.50%
$1,000
Home Bank SB
Home Bank SB
48-Month CD
1.26%
$500
Security Bank of Southwest Missouri
Security Bank of Southwest Missouri
12-Month CD
1.26%
$1,000
Liberty Bank Liberty, IL
Liberty Bank Liberty, IL
18-Month CD
1.25%
$500
Peoples B&T Co. Ryan, OK
Peoples B&T Co. Ryan, OK
36-Month CD
1.00%
$500
National Bank of Coxsackie
National Bank of Coxsackie
48-Month CD
0.55%
$500
SSB State Street Bank
SSB State Street Bank
6-Month CD
0.50%
$1,000
Fulton Savings Bank
Fulton Savings Bank
36-Month CD
0.40%
$500
Abbey Credit Union
Abbey Credit Union
Money Market
0.25%
$2,500
PyraMax Bank
PyraMax Bank
18-Month CD Homebuyers
0.20%
$100
FNB of Moose Lake
FNB of Moose Lake
Savings Account
0.15%
$100
Community Bank of Elmhurst
Community Bank of Elmhurst
24-Month CD
0.10%
$500
Artisans Bank
Artisans Bank
6-Month CD
0.05%
$1,500
Greenville Federal
Greenville Federal
Savings Account
0.05%
$10
North Country Savings Bank
North Country Savings Bank
Statement Savings
0.05%
$50
United Southern Bank
United Southern Bank
Regular Savings
0.05%
$50
Security Service Federal Credit Union
Security Service Federal Credit Union
Savings Account
0.05%
$5
Community Bank Mankato
Community Bank Mankato
Basic Interest Checking
0.05%
$200
Blue Grass Federal SLA
Blue Grass Federal SLA
Statement Savings
0.05%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates April 14, 2024

Lender
Product
Rate
APR
Points
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.000%
5.363%
2.000
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.750%
5.834%
0.000
People\'s Alliance Federal Credit Union
People\'s Alliance Federal Credit Union
10 Year Fixed
0.000%
5.875%
1.000
15-Year Fixed
5.625%
5.877%
0.975
5.750%
5.883%
0.500
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
5.875%
5.913%
0.000
15 Year Fixed
5.625%
5.923%
1.000
15-Year Fixed
5.875%
5.925%
0.000
5.750%
5.946%
0.250
5.875%
5.958%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Morgan Stanley Information

Morgan Stanley
201 S Main St Fl 5
Salt Lake City, UT 84111
Salt Lake
Established Date: 05/25/1990
FDIC Certificate #: 32992
Date of FDIC Deposit Insurance: 05/25/1990
Bank Holding Company: MORGAN STANLEY
How Many Domestic U.S. Offices? 1
How Many Branches are There? 1
Is Morgan Stanley FDIC Insured? Yes
What is Morgan Stanley's Cert number? 32992
What is the maximum amount for insured deposits? $250,000 per holder, per account

Morgan Stanley Financials

Total Assets:
$205,845,000,000
Total Deposits:
$179,276,000,000
Equity Capital:
$21,478,000,000
Domestic Deposits:
$179,276,000,000
Net Income:
$1,171,000,000
Return on Assets:
1.7653%
Quarterly Return on Assets:
2.3000%
Pretax Return on Assets:
2.9862%
Pretax Quarterly Return on Assets:
2.9900%
Return on Equity:
18.3800%
Quarterly Return on Equity:
22.6000%
Common Equity Tier 1 Capital Ratio:
19.5007%
Tier 1 Risk-Based Capital Ratio:
19.5007%
Leverage Tier 1 (Core Capital) Ratio:
9.6042%
Total Risk-Based Capital Ratio (YTD):
20.1006%
Total Interest Income (YTD):
2.4416%
 
 
Headquarters:
Salt Lake City
FDIC Field Office:
Salt Lake City
Regulator:
OCC
County:
Salt Lake
# of Offices:
1
Metropolitan Statistical Area (MSA):
Salt Lake City, UT
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
West
FDIC Region:
San Francisco
Source: FDIC

The Financial Crisis, Great Recession, Deposit Rates, Unemployment Rate and the Federal Reserve

Everyone who has opened a savings account, money market account, or a certificate of deposit account over the past 6 years has seen how low interest rates have fallen. If you had a long term certificate of deposit mature recently, you've been shocked by how low CD rates are on both short and long term CDs. This long cycle of low interest rates was started by the financial crisis of 2007 and the Great Recession that followed in 2008.

Housing Bubble Bursting Sends Federal Funds Rate to 0.00%

The cycle of events started with the housing bubble bursting which brought on the crisis with the mortgage-backed securities market. This caused ripples throughout the brokerage industry, Lehman Brothers failed, Bear Stearns was about to fail but the government stepped in and negotiated a deal to have JPMorgan buy Bear Stearns for $1.     Read more...

American Express High Yield Savings Account

american-express-high-yield-savings-accountAmerican Express Bank, the banking arm of the credit card company American Express, is offering a personal high yield savings account that currently has an annual percentage yield of 1.85 percent.Interest earned on the high yield savings account is compounded daily and credited to your account monthly. American Express Bank is also offering some of the best CD rates available these days.During the credit crisis of late last year American Express along with other financial institutions including Morgan Stanley and Goldman Sachs became bank bank holding companies regulated by the Federal Reserve. The main reason to become bank holding companies was to be able to collect deposits since the credit markets weren't functioning during the crisis.     Read more...

Bank CD Rates: June 30, 2009

Bank CD Rates: June 30, 2009Bank CD rates were mixed this past week with longer term CD rates increasing and shorter term CD rates continuing their slide down. The increase in longer term CD rates wasn't much but at least rates are headed in the right direction.Certificate of deposit rates are not expected to increase by much until the economy recovers and the Fed starts raising interest rates.I wonder if there is a chance CD rates will increase at banks that payoff the funds they borrowed from TARP. Banks that do payoff TARP might be compelled to increase deposit rates if the economy takes longer to recover and they have to write off more bad loans as a result. The other option is to borrow again from TARP which is a lot less appealing than raising CD rates.     Read more...

Bank Stress Test Results for 19 Banks

bank-stress-testThe Federal Reserve, OCC, and FDIC released the results of the Supervisory Capital Assessment Program, also known as the "Bank Stress Test" for the 19 bank holding companies subjected to the stress test.The stress test was designed as a what if exercise of how the economy might be over the next two years. The first scenario is a baseline which follows the current forecast estimates for the economy. The second scenario is a more adverse scenario with a more severe recession.The SCAP test was designed to find out which bank holding companies (BHCs) are vulnerable today, how they would fare in the future if the economy deteriorated more and if the banks needed more capital to survive. Not only the amount of capital was considered the composition of a bank's capital was also taken into consideration.     Read more...

Explore Other Rate Deals

Some consumers in Arizona who are having financial problems so severe they cannot afford to pay their mortgage bills may soon be able to find some relief.
Georgia Federal Credit Union is offering regular share certificates of deposit and Individual Retirement Account (IRA) certificates of deposit. Regular certificates of deposit range in terms of 91 days to 60 months. IRA certificates of deposit range in terms of 12 months to 60 months. The minimum opening deposit for all certificate of deposit accounts is $1,000.
Jax Metro Credit Union of Jacksonville, Florida, is offering several different types of savings accounts and a money market account. The savings accounts are a Share Savings Account, Holiday Savings Account and a Special Savings Account.

Bank or Credit Union Offers and Deals

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Actions by The Bank of Japan will Help Force Mortgage Rates Lower in the United States
Bank Rate Tables
Fixed Conforming Mortgage Rates Average 3.40%, Lowest 30 Year Refinance Rates at 3.00%
Buying a Home with the Help of a Realtor
Mortgage Rates Head Lower After Run Up Of The Past Month: 30 Year Mortgage Rates & Refinance Rates Averaging 4.77%
Fixed Conforming Mortgage Rates Decline in Mortgage Survey: 30 Year Mortgage Rates 4.81%, 15 Year Mortgage Rate 4.17%: Freddie Mac
Mortgage Rates: Current Mortgage Rates Increase, 15 Year Mortgage Rates at 3.36%
Mortgage Rates: 30 Year Mortgage Rates Down, Averaging 4.41% on Weak Economic Data

Alternative Bank and Credit Union Offers to Explore

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