E*TRADE Premium Savings: 4.00% APY
Category: bank | Product: Premium Savings
Bonus: 4.00% APY
Requirement: No minimum balance; open by 9/30/26 for the intro rate
Dollar requirement: 0
APY (basis points): 400, term: 6-month intro APY, then 3.50%
Status: live
Expires on: 2026-09-30
Fee: No monthly fee
Keep period: The 4.00% boost lasts 6 months from opening, then the rate reverts to the variable base
Payout timing: Interest credited monthly
ChexSystems: No ChexSystems pull reported
Hard credit pull: false | Referral gated: false
Available in: nationwide
Verified on: 2026-07-17