E*Trade Premium Savings Account bonus: is $800 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $100,000 for 75 days, the tier that adds the most.
Yearly rate on $100,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$404$20,000$400 bonus · 75 days
- +$820$100,000Best for you$800 bonus · 75 days
The math
Compared with leaving $100k at 4.15%
Deposit $100,000 in new money within 30 days · Average $100,000 from day 31 to day 75. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Deposit $100,000 in new money within 30 days
- 2Average $100,000 from day 31 to day 75
- Ends
- Jan 10, 2027
- Where
- Nationwide
- Pays while it's there
- 4.25% a year
- Monthly fee
- None
- Cash stays
- About 75 days
- Bonus paid
- Usually within 30 days of finishing
- Credit check
- A ChexSystems inquiry (not your credit score)
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the E*Trade Premium Savings Account bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $100,000 tier adds +$820: the $800 bonus plus $873 interest, minus the $853 that cash would have earned in 75 days. The $20,000 tier adds +$404. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $100,000 in new money within 30 days; average $100,000 from day 31 to day 75. Open nationwide.
When does it end?
The offer ends Jan 10, 2027. The terms were last checked Oct 9, 2026.