What are the current interest rates at Morgan Stanley?

Current rates for Morgan Stanley include: 12-Month CD: 4.20%, 18-Month CD: 4.35%, 24-Month CD: 4.50%, 36-Month CD: 4.60%, 48-Month CD: 4.70%, 60-Month CD: 4.75%, Savings: 3.60%

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Morgan Stanley Rates & Review September 2026

Q: How many branches does Morgan Stanley operate?

Morgan Stanley currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Morgan Stanley does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Morgan Stanley provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Morgan Stanley's 60-Month CD rates are at 4.75%, 48-Month CD rates are at 4.70%, 36-Month CD rates are at 4.60%, 24-Month CD rates are at 4.50%, 18-Month CD rates are at 4.35%. Morgan Stanley's savings rates are at 3.60%. MonitorBankRates evaluates the financial stability of Morgan Stanley with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.86%. Rates last updated and verified on 09/18/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.86%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Morgan Stanley Bank, National Association

201 S Main St
Salt Lake City, UT 84111

https://www.morganstanley.com

Morgan Stanley CD Rates

Product	Rate	APY	Term
60 Month CD	4.75%	4.75%	60 month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
48 Month CD	4.70%	4.70%	48 month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
36 Month CD	4.60%	4.60%	36 month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
24 Month CD	4.50%	4.50%	24 month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
18 Month CD	4.35%	4.35%	18 month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
12 Month CD	4.20%	4.20%	12 month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
9 Month CD	4.15%	4.17%	9 month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
6 Month CD	4.05%	4.09%	6 month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%
3 Month CD	4.00%	4.06%	3 month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%

Morgan Stanley Savings Rates

Product	Rate	APY	View More
Preferred Savings Program	-	3.60%
Min Deposit $1,000 Details Earn 3.60% Annual Percentage Yield (APY)* Make the most of your idle cash with a competitive yield that helps keep your savings working for you. Why Choose the Preferred Savings Program? Explore the benefits of this deposit product available exclusively to clients with an eligible Morgan Stanley brokerage account.1 Contact your Morgan Stanley team to learn more. product Enhanced Yield Enjoy a competitive rate that is 9x the average savings account.2 product FDIC Insured Your deposits are FDIC insured up to applicable limits; certain conditions must be satisfied. tool Convenient Access Funds are typically available same day3 when you need it. Qualifying cash is defined as new cash proceeds into the Banks in the last 30 calendar days, inclusive of deposits from external sources and proceeds from the sale of money market funds, fixed income, equities and all other securities, net of any cash outflows, in a client's brokerage account. Net proceeds from weekends and holidays will be included if they immediately precede the first day of the 30 day period. Withdrawals from an account in Preferred Savings Program for Qualifying Cash are limited to 10 transactions per calendar month, and any withdrawal or transfer over the limit in any one calendar month will be subject to an excess withdrawal fee. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.86%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Morgan Stanley’s Texas Ratio rose from 1.52% in Q3 2023 to 2.86% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$419.3B	2.86%	5.0	A+
March 31, 2026	$391.3B	3.09%	5.0	A+
December 31, 2025	$253.3B	3.39%	5.0	A+
September 30, 2025	$249.7B	3.71%	5.0	A+
June 30, 2025	$239.2B	3.75%	5.0	A+
March 31, 2025	$234.5B	3.44%	5.0	A+
December 31, 2024	$230.7B	3.25%	5.0	A+
September 30, 2024	$224.9B	3.11%	5.0	A+
June 30, 2024	$211.5B	3.09%	5.0	A+
March 31, 2024	$212.7B	2.72%	5.0	A+
December 31, 2023	$209.0B	2.78%	5.0	A+
September 30, 2023	$207.4B	1.52%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Morgan Stanley is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Morgan Stanley rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Morgan Stanley's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Morgan Stanley

Bank Holding Company MORGAN STANLEY

Address 201 S Main St, Salt Lake City, UT 84111 · Salt Lake

Website https://www.morganstanley.com

FDIC Certificate # 32992

Established 19900525

FDIC Insurance Date 19900525

Domestic Offices 1

Total Branches 1

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.86%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5581%

Return on Equity (ROE) 15.3300%

Non-Performing Loans (NPL) 0.27%

Total Assets $419,318,000,000

Total Deposits $278,937,000,000

Equity Capital $40,632,000,000

Net Income $2,763,000,000

Headquarters Salt Lake City

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Morgan Stanley earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Frequently Asked Questions About Morgan Stanley

How many branches does Morgan Stanley operate?

Morgan Stanley currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Morgan Stanley does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Morgan Stanley provides members with tools to manage their accounts and build a solid financial history.

Does Morgan Stanley offer online and mobile banking?

Most modern institutions like Morgan Stanley provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.morganstanley.com.