Access exclusive savings rates from 100+ trusted banks and credit unions with Raisin
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Earn up to $1,200 with code SUMMER26 at sign-up.
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Product
APY
Raisin is not an FDIC-insured bank or NCUA-insured credit union and does not hold any customer funds. FDIC deposit insurance covers the failure of an insured bank and NCUA deposit insurance coverage covers the failure of an insured credit union.
How do we bring these rates to you? Partner banks and credit unions use Raisin to reach new savers nationwide. Raisin gives you access to all of these exclusive rates in one place, while your money stays at federally insured partner banks and credit unions.
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Earn an exclusive cash bonus when you sign up and fund your account using code SUMMER26. Earn even more with an extra cash boost when you set your savings on autopilot.¹
Claim your welcome bonus
Enter promo code SUMMER26 at sign-up and deposit a total of $10,000 or more within 14 days to secure your base cash bonus and unlock the optional recurring deposit reward.
Add an extra boost (optional)
To earn an additional reward, schedule two or more recurring deposits within your first 90 days. You are eligible for a maximum additional bonus based on your deposit tier, allowing you to choose your matching recurring bonus tier or any tier below it.
Get rewarded
Maintain your balance for 90 days. Once all promotional requirements are met, your total combined cash bonus will be credited to your account within 30 days.
Access exclusive rates from 100+ FDIC-member banks and NCUA-insured credit unions all in one place.
Get $10M+ in FDIC or NCUA insurance through our partner network, subject to certain conditions.†
Open and manage your savings accounts and tax documents with one secure login.
Raisin's platform is free to use, with no account fees or minimum balance requirements.
Raisin isn’t a bank. We provide the secure technology to manage your savings, while federally insured banks and credit unions directly hold your deposits. This ensures your money is never commingled — and is eligible for FDIC or NCUA insurance, up to $250,000 per institution, per depositor, subject to certain conditions.†
By spreading your savings across multiple partners, you can access over $10 million in total coverage, while our advanced encryption and daily synchronized records ensure your funds remain undeniably yours.
Raisin isn’t a bank — we're a free financial platform that gives you access to exclusive high-yield savings accounts and CDs from 100+ trusted banks and credit unions, all managed through a single, secure login.
APY and returns | Choose from top rates from many banks and easily switch between them | Rates as low as 0.01% with typically a small selection of products |
Fees and requirements | $1 minimum deposit and completely free to use | May have monthly fees, withdrawal limits and high balance requirements |
Deposit insurance | $10M+ FDIC or NCUA deposit insurance across partners, subject to certain conditions† | Limited to $250K per depositor, per FDIC-insured bank, for each account ownership category |
Record protection | Customer records are held by Raisin as well as independently maintained by FDIC-member custodial and service banks to ensure robust platform data management and redundancy | Primary record-keeping is centralized at one institution, subject to that bank’s specific operational and system availability |
All banks on the Raisin platform are FDIC members.
All credit unions on Raisin are insured by the NCUA.
Open your account in minutes by following Raisin’s secure sign-up process. It’s the only one you’ll ever need.
With Raisin you get exclusive savings offers from 100+ top banks and credit unions, all in one place.
Link your bank and open your first product with as little as $1. Earn more from day one.
Raisin is a free financial platform that gives you access to exclusive high-yield savings rates from a network of 100+ trusted banks and credit unions, allowing you manage all your savings in one place.
Once you create your free account, you can easily open and fund multiple CDs and high-yield savings accounts with as little as $1. Your Raisin dashboard lets you seamlessly move money between products as rates change, allowing you to skip the hassle of opening separate accounts and managing multiple passwords across various banks. It’s a simple way to maximize your returns while keeping your funds protected.
It’s a simple way to maximize your returns while keeping your funds protected.
Raisin is not a bank or a credit union. We are a free financial platform that gives you access to exclusive high-yield savings accounts and CDs from 100+ trusted banks and credit unions — all managed through a single, secure login.
This centralized experience keeps your data protected in one place while you move money seamlessly across our network of FDIC- and NCUA-insured partners. Your funds stay with the institutions you select, while we provide the high-level security that keeps your account access safe.
Your deposits are always held by our partner banks or credit unions, not by Raisin. This means your money is eligible for pass-through deposit insurance from the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Administration (NCUA). This insurance protects deposits up to $250,000 per depositor, per institution, in the event of failure of an insured institution. To learn more about pass-through deposit insurance, click here.
Because Raisin works with over 100 partner institutions, you can easily spread your savings across multiple accounts to access $10M+ in total coverage†, all managed through your single, secure Raisin login.
You have the freedom to manage your funds anytime through your Raisin dashboard, with most transfers settling in 1 – 2 business days.
While your dashboard provides constant access, withdrawal rules vary by product — from flexible, anytime access for savings accounts to fixed terms for CDs (see individual product terms for details).
For more information on transactions and transaction timelines, please click here.
Raisin does not charge platform or maintenance fees, and we never take a cut of the interest you earn. Instead, our partner banks and credit unions compensate us for the technology and support we provide to host their products. This allows you to access top rates while helping financial institutions connect with savers they may not have been able to reach before.
Learn more about how Raisin works here.
Our support team is available Monday through Friday from 8 a.m. – 8 p.m. ET. Call 844-994-EARN (3276) or email us at support.us@raisin.com.
¹New customers only. Earn a cash bonus (the "Base Bonus") when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Base Bonus of $50 for depositing between $10,000 and $24,999; $125 for depositing between $25,000 and $49,999; $250 for depositing between $50,000 and $99,999; $500 for depositing between $100,000 and $199,999; and $1,000 for depositing $200,000 or more.
Customers may earn an additional bonus by setting up a recurring deposit within 14 days of their initial deposit (the “Recurring Deposit Bonus”). To qualify, the recurring deposit must be established within 14 days of the initial deposit date and it must execute at least two (2) times within 90-days of the initial deposit. Recurring Deposit Bonus eligibility is determined by your Base Bonus tier:
Customers are eligible to earn the Recurring Deposit Bonus associated with their Base Bonus tier or any lower Recurring Deposit Bonus tier. For example, a customer with an initial deposit of $200,000 (qualifying for the highest Base Bonus tier) whose aggregate recurring deposits total $500, is eligible for the lower tier and will receive the $50 Recurring Deposit Bonus. However, setting up a recurring deposit greater than your Base Bonus tier's required threshold will not qualify you for a higher Recurring Deposit Bonus.
The Recurring Deposit Bonus is paid in addition to the Base Bonus. To qualify for the Base Bonus and Recurring Deposit Bonus, your first deposit must be initiated between June 1, 2026, and June 30, 2026, by 11:59 PM ET, and the promo code SUMMER26 must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days will be eligible for the Base Bonus.. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. This offer is available to new customers only and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.
© 2026 Raisin SE. All rights reserved.
The Raisin name and logo are trademarks of Raisin SE. All other trademarks, logos, marks, and brand names are the property of their respective owners.
*APY means Annual Percentage Yield. APY is accurate as of June 3, 2026. Interest rate and APY may change after initial deposit depending on the terms of the specific product selected. Minimum opening deposit is $1.00.
Raisin is not an FDIC-insured bank, and FDIC deposit insurance only covers the failure of an insured bank.
Raisin is not an NCUA-insured credit union. NCUA deposit insurance only covers the failure of an insured credit union.
Raisin does not hold any customer funds. Customer funds are held in various custodial deposit accounts. Each customer authorizes the Custodial Bank to hold the customer’s funds in such accounts, in a custodial capacity, in order to effectuate the customer’s deposits to and withdrawals from the various bank and credit union products that the customer requests through Raisin.com. The Custodial Bank does not establish the terms of the bank or credit union products and provides no advice to customers about bank or credit union products offered by the applicable bank or credit union through Raisin.com. Each customer also authorizes the Service Bank to move funds among the various banks and credit unions at the customer’s request. First International Bank & Trust (FIBT), Member FDIC, is the Service Bank. Bell Bank and Starion Bank, each Member FDIC, are the Custodial Banks.
†Based on $250,000 in FDIC or NCUA insurance coverage per insurable category of ownership at each partner bank or credit union on the Raisin platform (each a "Product Bank"), when aggregated with all other deposits held by you at such Product Bank and in the same insurable category. Deposits made through Raisin will be eligible to receive deposit insurance from the FDIC or the NCUA (each a "Deposit Insurer") in accordance with and up to the maximum amount permitted by law at each Product Bank. Raisin is not a bank or credit union and does not hold any customer funds. Funds are held at FDIC-insured banks and NCUA-insured credit unions. Deposit insurance covers the failure of an insured bank or credit union. Certain conditions must be satisfied for pass through deposit insurance coverage to apply. Customers may choose to deposit funds with identically registered accounts at different Product Banks on the Raisin platform to be eligible for Deposit Insurer coverage up to $10 million for individual accounts and $20 million for joint accounts when at least 40 Product Banks are utilized. Please be aware, however, that any deposits you have at a Product Bank, whether through the Raisin platform or outside the Raisin platform, that you may hold in the same capacity (such as in an individual capacity or joint capacity) count toward the applicable Deposit Insurer's deposit insurance maximum amount, and any such amounts that you hold in the same capacity at a Product Bank that exceed the maximum insurance coverage by the applicable Deposit Insurer will not be insured. For more information on FDIC deposit insurance, please see here. For more information on the NCUA share insurance fund, please see here. You are solely responsible for monitoring the amount of funds you have on deposit at each a Product Bank, whether through the Raisin platform or outside the Raisin platform, to confirm that the deposits you hold in the same capacity at each Product Bank do not exceed the maximum deposit insurance coverage provided by the applicable Deposit Insurer.
