Morgan Stanley

Savings Program Rate Monitor

1 Annual Percentage Yield (APY) is variable and subject to change at any time. Promotional rates may also be offered from time to time.
2 An account at Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is either a Brokerage account or an Investment Advisory account. Investment Advisory accounts are accounts which are enrolled in certain Investment Advisory Programs offered at Morgan Stanley. All other accounts are “Brokerage Accounts.” For more information about Investment Advisory accounts, please contact your Financial Advisor or Private Wealth Advisor or go to
3 Interest rate tiers are based upon value of eligible assets in accounts included in your Savings Pricing Group. For more information on Savings Pricing Groups see the Savings Program Disclosure Statement.

To review the Savings Program Disclosure Statement, please click here. For more information about the FDIC Insurance, please visit