E*TRADE Roth IRA review

E*TRADE ranks fourth because its Roth IRA page lists no account minimums or maintenance fees and $0 online commissions on stocks, ETFs and mutual funds. It is the best fit here for savers who trade options inside a Roth IRA: the standard contract fee is $0.65 and drops to 50 cents for clients who place 30 or more stock, ETF and options trades a quarter. Bonds cost $1.00 each with a $10 minimum and $250 maximum, and Managed Portfolios are available for savers who would rather hand over the investing. E*TRADE does not offer the contribution match that Robinhood and SoFi advertise, and it lacks Fidelity's fee-free managed tier for small balances, which keeps it behind the top three on value.

Who it is for

active investors who trade options inside a Roth IRA

Price

No account minimums or maintenance fees; $0 online stock, ETF and mutual fund commissions.

Plus, enjoy no account minimums or maintenance fees.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• No account minimums or maintenance fees
• $0 online commissions on stocks, ETFs and mutual funds
• Options at $0.65 per contract, 50 cents with 30+ trades a quarter
• Bonds at $1.00 each, minimum $10 and maximum $250
• Managed Portfolios for savers who want advice

Strengths and weaknesses

• Strength: $0 online mutual fund commissions as well as stocks and ETFs
• Strength: Options contract fee drops to 50 cents for active traders
• Strength: Morgan Stanley research and two trading platforms
• Weakness: No contribution match
• Weakness: Bond trades cost $1.00 each with a $10 minimum
• Weakness: Options discount needs 30+ trades per quarter

Key facts

• Minimum: $0
• Maintenance fee: $0
• Options: $0.65 per contract, $0.50 at 30+ trades a quarter
• Bonds: $1.00 each, $10 min, $250 max

Where it ranks

E*TRADE Roth IRA is No. 3 in our Best Roth Ira Providers verdict.