Morgan Stanley CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews
Today's 12-month CD rates can be found at 2.00%, 6-month CD rates at 0.00% and 3-month CD rates at 0.05%. Current savings rates are at 0.40% and money market rates are at 4.00%. Mortgage rates today on 30-year fixed loans are around 6.28%. Credit Card rates are at 13.04%. Personal Loan rates are at 12.99%. All these rates, and more, can be found in our database of rates. Morgan Stanley's 11-Month CD rates are at 4.41%, 3-Month CD rates are at 4.21%, 6-Month CD rates are at 4.19%.
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 1.52%, which is considered excellent. The Texas Ratio for Morgan Stanley is lower than the national average of all banks, currently at 6.13%. 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. Morgan Stanley CD Rates and Interest Rates
Morgan Stanley
11-Month CD
4.41%
$1,000
Morgan Stanley
3-Month CD
4.21%
$1,000
Morgan Stanley
6-Month CD
4.19%
$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
Beacon Community Bank
12-Month CD
4.10%
$250
Advantage Plus Federal Credit Union
18-Month CD
4.00%
$1,000
Landmark Credit Union
36-Month CD
3.90%
$500
Fidelity Bank West Memphis, AR
12-Month CD
3.75%
$500
Table Rock Community Bank
12-Month CD
3.72%
$1,000
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 December 10, 2025Show 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 InformationMorgan Stanley
201 S Main St Fl 5Salt 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 Website: https://www.morganstanley.com
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 FinancialsTotal Assets:
$212,723,000,000
Total Deposits:
$175,919,000,000
Equity Capital:
$23,087,000,000
Domestic Deposits:
$175,919,000,000
Net Income:
$1,260,000,000
Return on Assets:
2.3066%
Quarterly Return on Assets:
2.3900%
Pretax Return on Assets:
3.1338%
Pretax Quarterly Return on Assets:
3.1300%
Return on Equity:
22.6600%
Quarterly Return on Equity:
22.4200%
Common Equity Tier 1 Capital Ratio:
20.8631%
Tier 1 Risk-Based Capital Ratio:
20.8631%
Leverage Tier 1 (Core Capital) Ratio:
10.1555%
Total Risk-Based Capital Ratio (YTD):
21.7260%
Total Interest Income (YTD):
4.9896%
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 Last Updated 03/31/2024
Explore Other Rate Deals Mortgage rates were mixed this week, according to Freddie Mac's weekly survey. The average rate on a 30-year fixed-rate mortgage was 4.86 percent with an average 0.6 point, up from last week when it averaged 4.84 percent. Still a lot lower than last year's average of 6.01 percent thanks to the recession and the government programs designed to lower mortgage rates.
 30 year mortgage rates are down to 4.83 percent in the latest Mortgage Application Survey released by the Mortgage Bankers Association. This is a decline from last week's average 30 year contract interest rate of 4.90 percent.
Bank or Credit Union Offers and DealsMortgage Rates Will Stabilize- The Fed Leaves Interest Rates AloneLiberty Bank for Savings CD Rates Christmas Day 2015 Variable Deposit Rates VirtualBank Money Market Account Rates now at 0.68% Online Banks Dominate Top Savings Interest Rates Available Mortgage Rates: Current Mortgage Rates at 4.92% Bank of America Money Market Savings Account Roth IRA vs Tradtional IRA Mortgage Rates Decline Again: 30 Year Mortgage Rates at 5.07% Weekly CD Rate Report Alternative Bank and Credit Union Offers to ExploreMarch 08 Mortgage Rates and Refinance Rates: 30 Year Rates Averaging 4.90%Real Estate Investing in the Next Decade Fixed Mortgage Rates and Adjustable Mortgage Rates Higher 3-31: 30 Year Mortgage Rates at 4.86% 9/30/15 Deposit Rate Report How Soon Will You Receive Your FDIC-Insured Money After a Bank Failure? Mortgage Rates Week of February 6, 30 Year Mortgage Rates at 3.90% Mortgage Rates Increase This Week but Will Decline in the Coming Days New Credit Card Regulations? Best 1 Year CD Rates and CD Yields in Chicago Fed Funds Rate Cut to 0% to .25% Morgan Stanley ReviewsThere are no reviews for Morgan Stanley yet. Feel free to create one below.
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Bank 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. 
The 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. 
