{"slug":"etrade-premium-savings","category":"bank","institutionSlug":"e-trade","product":"Premium Savings","title":"E*TRADE Premium Savings: 4.00% APY","bonus":"4.00% APY","unit":"cash","amount":0,"reqShort":"No minimum balance; open by 9/30/26 for the intro rate","expiresOn":"2026-09-30","status":"live","verifiedOn":"2026-07-17","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"No ChexSystems pull reported","fee":"No monthly fee","keep":"The 4.00% boost lasts 6 months from opening, then the rate reverts to the variable base","posts":"Interest credited monthly","applyDomain":"etrade.com","applyUrl":"https://us.etrade.com/bank/premium-savings-account","summary":"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.","reqSteps":["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%."],"finePrint":["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."],"apy":400,"apyTerm":"6-month intro APY, then 3.50%","listedOn":"2026-07-17","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"etrade.com Premium Savings","url":"https://us.etrade.com/bank/premium-savings-account","checkedOn":"2026-07-17"}],"needsVerification":false}