Latest Morgan Stanley Bank Interest Rates - September 2026

Morgan Stanley Bank Interest Rates & Retail Products Overview

Quick Summary: Key benchmark reference rates, wealth management deposits, and lending products offered by Morgan Stanley Bank (MS) and Morgan Stanley Private Bank, National Association:

Featured Rates & Products:

• Deposit Accounts & Preferred CDs: The Morgan Stanley Preferred Savings Program yields 3.35% APY on idle qualifying cash balances, while Preferred Certificates of Deposit (CDs) offer guaranteed yields from 4.01% APY (3-month) up to 4.45% APY (36-month) with standard FDIC insurance.
• Residential Mortgages: Conforming and Jumbo 30-Year Fixed purchase mortgage rates start around 6.29% (approx. 6.35% - 7.00% APR before relationship discounts). Morgan Stanley Private Bank offers relationship rate reductions ranging from 0.125% to 1.000% based on qualifying asset balances (from $500,000 to $50,000,000+).
• Securities-Based & Personal Lending: Direct standalone unsecured retail installment loans and direct retail auto loans are not offered; consumer lending is centered on Liquidity Access Lines (LAL) secured by eligible investment portfolios.
• Credit Cards: Co-branded relationship cards (such as the Morgan Stanley Blue Cash Preferred® Card from American Express) feature variable purchase APRs starting from 19.49% to 28.49%.
• Benchmark Index: The reference Morgan Stanley Prime Rate stands at 6.75%.

💡 Financial Tip: High-net-worth clients maintaining substantial eligible asset balances with Morgan Stanley can access tiered relationship rate discounts of up to 100 basis points on home mortgages.