MSCommercial Bank
Latest Morgan Stanley Bank Interest Rates - September 2026
Morgan Stanley Bank, N.A. (MS)
1-Year CD: 4.15% Mortgage APR: 6.29% Prime Rate: 6.75%
Interest Rate Summary
Morgan Stanley Bank Interest Rates & Retail Products Overview
Quick Summary: Comprehensive review of retail banking, deposit yields, and consumer credit products provided through Morgan Stanley Bank, N.A. / Morgan Stanley Private Bank (MS):
Key Benchmark & Deposit Rates:
- Reference Prime Rate: Standing at 6.75%, serving as the index reference for floating-rate lending products, securities-based lines of credit, and credit facilities.
- Savings & CDs: Through Morgan Stanley Private Bank (and integrated E*TRADE banking channels), the Premium Savings Account offers a baseline 3.50% APY with a promotional 4.00% APY bonus boost for 6 months on qualifying new deposits. Fixed Certificates of Deposit (CDs) yield 4.05% APY (6-month), 4.10% APY (9-month), 4.15% APY (12-month), and up to 4.35% APY (36-month) with no monthly maintenance fees.
Consumer Loans & Retail Financing:
- Mortgage Loans: Morgan Stanley Private Bank originates bespoke residential and jumbo mortgages for retail and wealth management clients, with 30-Year Conventional Fixed purchase rates starting around 6.290% (alongside 15-Year Fixed and ARM financing up to 30-year terms, with no prepayment penalties and relationship pricing rate reductions for qualifying assets).
- Auto & Personal Loans: Morgan Stanley Bank does not offer standard direct-to-consumer auto financing or unsecured personal installment loans, relying instead on securities-backed liquidity lines (Liquidity Access Line / Pledged Asset Lines).
- Credit Cards: Consumer co-branded card products (such as the Morgan Stanley Blue Cash Preferred® Card and Platinum Card® from American Express Exclusively for Morgan Stanley) feature variable purchase APRs starting at 18.24% (scaling to 28.24% based on creditworthiness) with a 25-day grace period and an Annual Engagement Bonus for eligible CashPlus accounts.
💡 Financial Tip: Deposit APYs and relationship loan pricing are tied directly to eligible brokerage assets and account tiering across Morgan Stanley Wealth Management and E*TRADE. Confirm real-time rates directly at MorganStanley.com prior to applying.
CD & Savings Interest Rates - MS
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 3.5% | 4% |
| 1 Month | - | 0.5% |
| 3 Months | - | 0.5% |
| 6 Months | 4.05% | 4.55% |
| 12 Months (Benchmark ⭐) | 4.15% | 4.65% |
| 24 Months | 4.3% | 4.8% |
| 36 Months | 4.35% | 4.85% |
Featured Loan Products - MS
Loan Guide & Terms →mortgageMS
6.29% /yr
- • Promo period: 12 months
- • Max loan term: 30 years
- • Max borrowing limit: 80% of value
- • Formula: SOFR + margin
auto loanMS
7% /yr
- • Max loan term: 8 years
- • Max borrowing limit: 80% of value
personal loanMS
9.5% /yr
- • Max loan term: 5 years
student loanMS
6.5% /yr
- • Max loan term: 15 years
Advanced Loan Calculator
Calculate Loan Payments for Morgan Stanley Bank
Simulate monthly principal and interest payments at 6.29%/yr APR for MS with detailed amortization schedule and Excel export.
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