E*TRADE Premium Savings 4.25% APY
4.25% APY guaranteed for 6 months (3.75% base rate after)
- Open a new Premium Savings account by 11/30/2026 (8:45 PM ET) to get the 4.25% promotional rate
- No minimum balance
Ends Nov 30, 2026 · Checked Nov 2
us.etrade.com- Step 1: Look up what your current savings pays (Chase, Bank of America, and Wells Fargo standard savings are 0.01%, per E*TRADE's comparison).
- Step 2: Open E*TRADE Premium Savings at us.etrade.com/bank/premium-savings-account by 11/30/2026. If you're moving $20k+, use code SAVE200.
- Step 3: Transfer your emergency fund over. It stays FDIC insured and free to move.
- Step 4: Set a reminder for month 6, when the rate drops to the 3.75% base, and compare again (Marcus is 3.50% today).
Other options
E*TRADE Premium Savings cash bonus (code SAVE200)$200 (for $20,000+ in net-new money) · ends Nov 30Marcus Online Savings 3.50% APY3.50% APY (as of 11/2/2026, variable)Capital One 360 Performance Savings bonus (code BONUS1500)$300 / $750 / $1,500 for $20k / $50k / $100kChase Savings bonus$100 (for $5k–$9,999) or $200 (for $10k+) · ends Jan 27The catch
- Rates are variable. E*TRADE's 4.25% is guaranteed only for 6 months, and only for accounts opened by 11/30/2026.
- Bringing $20k+? Capital One's BONUS1500 pays more ($300 for $20k held 90 days) at 3.20% APY.
- Interest is taxable (1099-INT).
- Only worth it if you have savings to move; $1,000 earns about $21 in 6 months.
- Who it's for: Needs some savings to move; earnings scale with your balance.
- Guardrail: Moves money you already have; no spending involved.
- Paperwork: Online application ~10 minutes.
- Terms change; confirm on the official site.
Sources: us.etrade.com, marcus.com, capitalone.com, account.chase.com