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As of 11/09/, the Annual Percentage Yield (APY) of the Premium Savings Account offered by Morgan Stanley Private Bank, National Association is %. Your. I just logged in and saw Premium Savings is now %. Up from % They normally send email or push notification. When did that happen? Open an account. Premium Savings Account. NEW: Boost your savings with % Annual Percentage Yield5. With rates 9X the national average6.