E*TRADE's Premium Savings account pays a 4.00% APY boost for the first 6 months on new accounts opened by September 30, 2026, then reverts to its variable base rate of 3.50%. There is no monthly fee and no minimum balance.
Eligibility
Available nationwide
No state restrictions on this offer.
No hard credit pull
Opening this account does not post a hard inquiry.
How to get the E*TRADE Premium Savings bonus
- Open a new E*TRADE Premium Savings account by September 30, 2026.
- Fund it; the 4.00% APY applies for 6 months from the date you open.
- After 6 months the rate reverts to the variable base, recently 3.50%.
The fine print that matters
- Both the intro and base rates are variable and can change.
- The 4.00% boost applies only to a new Premium Savings account opened within the offer window.
Verification and reports
Confirmed against etrade.com on Aug 13, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Offer history
1 tracked change
| Aug 2026 | 4.00% APY | Previous bonus, before it changed to $400. |
Sources: etrade.com Premium Savings (checked Aug 13, 2026)
Other E*TRADE offers, so you can compare
E*TRADE Traditional IRAup to $10,000sign-up bonus
Fund new IRA within 60 days; tiered by deposit size
E*TRADE Brokerage Account$50sign-up bonus
$1,000-$4,999 deposit within 60 days of account opening
E*TRADE Premium Savings Account$400sign-up bonus
Deposit $20,000+ new money within 30 days