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Comparison of Deposit Account from Morgan Stanley Private Bank (Offered through ETrade) with 4.00% - March 2025


Long-Term Analysis of Goldman Sachs Bank with 3.90% APY and Morgan Stanley Private Bank (Offered through ETrade) with 4.00% APY and WRIGHT-PATT CREDIT UNION, INC. with 3.87% APY and WRIGHT-PATT CREDIT UNION, INC. with 3.87% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

You May Choose More Savings or CD Products From Among these Popular Products to Compare

 
$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    ONLINE SAVINGS
    Goldman Sachs Bank
    3.90%
    -
    $50,000
    N.A.
    Online Bank
    17.33x (National Avg. - 0.23%)
    $1
     
    SCENARIO
    Year Rate
    3.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,950 1,365
    2 51,950 2,026 1,418
    3 53,976 2,105 1,474
    4 56,081 2,187 1,531
    5 58,268 2,272 1,591
    6 60,541 2,361 1,653
    7 62,902 2,453 1,717
    8 65,355 2,549 1,784
    9 67,904 2,648 1,854
    10 70,552 2,752 1,926
    11 73,304 2,859 2,001
    12 76,162 2,970 2,079
    13 79,133 3,086 2,160
    14 82,219 3,207 2,245
    15 85,426 3,332 2,332
    16 88,757 3,462 2,423
    17 92,219 3,597 2,518
    18 95,815 3,737 2,616
    19 99,552 3,883 2,718
    20 103,434 4,034 2,824
    TOTAL $57,468 $40,228
  • 2
    ONLINE SAVINGS
    Morgan Stanley Private Bank (Offered through ETrade)
    4.00%
    -
    $50,000
    N.A.
    Online Bank
    17.78x (National Avg. - 0.23%)
    $0
     
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689
  • 3
    LOCAL CD
    WRIGHT-PATT CREDIT UNION, INC.
    3.87%
    -
    $50,000
    18 Month
    Credit Union
    6.67x (National Avg. - 0.58%)
    $500
     
    SCENARIO
    Year Rate
    3.87%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,935 1,355
    2 51,935 2,010 1,407
    3 53,945 2,088 1,461
    4 56,033 2,168 1,518
    5 58,201 2,252 1,577
    6 60,453 2,340 1,638
    7 62,793 2,430 1,701
    8 65,223 2,524 1,767
    9 67,747 2,622 1,835
    10 70,369 2,723 1,906
    11 73,092 2,829 1,980
    12 75,921 2,938 2,057
    13 78,859 3,052 2,136
    14 81,911 3,170 2,219
    15 85,081 3,293 2,305
    16 88,373 3,420 2,394
    17 91,794 3,552 2,487
    18 95,346 3,690 2,583
    19 99,036 3,833 2,683
    20 102,869 3,981 2,787
    TOTAL $56,850 $39,795
  • 4
    LOCAL CD
    WRIGHT-PATT CREDIT UNION, INC.
    3.87%
    -
    $50,000
    24 Month
    Credit Union
    5.86x (National Avg. - 0.66%)
    $500
     
    SCENARIO
    Year Rate
    3.87%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,935 1,355
    2 51,935 2,010 1,407
    3 53,945 2,088 1,461
    4 56,033 2,168 1,518
    5 58,201 2,252 1,577
    6 60,453 2,340 1,638
    7 62,793 2,430 1,701
    8 65,223 2,524 1,767
    9 67,747 2,622 1,835
    10 70,369 2,723 1,906
    11 73,092 2,829 1,980
    12 75,921 2,938 2,057
    13 78,859 3,052 2,136
    14 81,911 3,170 2,219
    15 85,081 3,293 2,305
    16 88,373 3,420 2,394
    17 91,794 3,552 2,487
    18 95,346 3,690 2,583
    19 99,036 3,833 2,683
    20 102,869 3,981 2,787
    TOTAL $56,850 $39,795

    All calculations are for demonstration purposes only.

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