E*Trade retirement account bonus: is $10,000 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $5,000,000 for 425 days, the tier that adds the most.
Yearly rate on $5,000,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$50$1,000$50 bonus · 425 days
- +$150$5,000$150 bonus · 425 days
- +$300$20,000$300 bonus · 425 days
- +$600$100,000$600 bonus · 425 days
- +$1,000$200,000$1,000 bonus · 425 days
- +$1,500$500,000$1,500 bonus · 425 days
- +$3,000$1,000,000$3,000 bonus · 425 days
- +$5,000$1,500,000$5,000 bonus · 425 days
- +$6,000$2,000,000$6,000 bonus · 425 days
- +$10,000$5,000,000Best for you$10,000 bonus · 425 days
The math
Compared with leaving $5M at 4.15%
Deposit $5,000,000 in new money within 60 days · Keep $5,000,000 there until day 425. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Deposit $5,000,000 in new money within 60 days
- 2Keep $5,000,000 there until day 425
- Ends
- Oct 31, 2026
- Where
- Nationwide
- Pays while it's there
- 4.15% a year
- Monthly fee
- None
- Closing early
- $NaN within 425 days
- Cash stays
- About 425 days
- Bonus paid
- Usually within 30 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the E*Trade retirement account bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $5,000,000 tier adds +$10,000: the $10,000 bonus plus $241,610 interest, minus the $241,610 that cash would have earned in 425 days. The $2,000,000 tier adds +$6,000. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $5,000,000 in new money within 60 days; keep $5,000,000 there until day 425. Open nationwide.
When does it end?
The offer ends Oct 31, 2026. The terms were last checked Oct 10, 2026.