An exclusive invitation to grow your savings
Your friend has shared their savings secret with you! A single Raisin login unlocks access to 100+ banks and credit unions offering some of the best rates nationwide. Sign up today using your friend’s code to be eligible to earn up to $1,000 in bonus cash.¹
When you save more, you earn more.
Step 1: Claim your welcome bonus
Enter your referral code 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.
Step 2: 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.
Step 3: 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.
Stack your rewards with a savings account and a CD
A smart savings strategy starts with a strong foundation. Sign up with your friend's referral code and deposit $10,000 or more to secure your welcome bonus while earning top rates.
Earn an extra bonus on top when you split your qualifying total balance between a savings account and a CD. See full terms below.¹
Current top savings products
Bank
Product
APY
New Raisin Users: 60-Day Rate Lock
New Raisin Users: 90-Day Rate Lock
New Raisin Users: 60-Day Rate Lock
New Raisin Users: 120-Day Rate Lock
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.
Get $10M+ in FDIC or NCUA coverage
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 depositor, per institution, 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.
Top rates, less work
Access exclusive rates from 100+ FDIC-member banks and NCUA-insured credit unions all in one place.
Deposits and security
Get $10M+ in FDIC or NCUA insurance through our partner network, subject to certain conditions.†
One secure login
Open and manage your savings accounts and tax documents with one secure login.
No fees
Raisin's platform is free to use, with no account fees or minimum balance requirements.
Answers to frequently asked questions
How does Raisin work?
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.
How do I qualify for the STACK bonus, and can I add more funds later?
To earn your base welcome bonus, use promo code STACK when registering your new account between September 1 and September 30, 2026, deposit at least $10,000, and hold those funds continuously for 90 days. You have a full 14-day funding window starting from your first deposit to make multiple transfers and reach a higher bonus tier.
Satisfying these base requirements is mandatory to unlock and earn the optional bonus boost. You can add this boost during your 14-day window by spreading your funds on the platform across at least two distinct product categories by day 14. You must allocate at least $1,000 to your secondary product category. The eligible product categories are:
- Category 1 (Savings): High-yield savings accounts, money market deposit accounts, and "rate-lock" savings accounts
- Category 2 (CDs): High-yield CDs
- Category 3 (Specialty CDs): No-penalty CDs and callable CDs
Is Raisin a bank?
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.
How are my deposits protected?
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.
What types of products are available through Raisin?
- High-Yield Savings Accounts (HYSA): Earn highly competitive interest rates with the ultimate flexibility. These work just like traditional savings accounts, allowing you to deposit or withdraw funds at any time, but offer much higher returns.
- Money Market Deposit Accounts (MMDA): Similar to a high-yield savings account, an MMDA offers maximum flexibility for your money while earning a top-tier, variable interest rate.
- No-Penalty CDs: Lock in a competitive rate for a fixed term, but keep the option to make a full withdrawal early without paying a penalty. Terms and conditions may vary by product, so please see specific product terms for more details.
- Fixed-Term CDs: Secure a guaranteed, predictable return. You lock in a fixed rate for a specific amount of time. In contrast to No-Penalty CDs, withdrawing your funds before the term ends will typically result in an early withdrawal penalty. See specific product terms for more details.
- Callable CDs: Lock in a fixed rate that is typically higher than standard CDs. The trade-off is that the issuing bank has the option to "call" (end) the CD before its maturity date. If this happens, you receive your full original deposit plus all the interest you've earned up to that exact date, with no penalties.
How do I move money in and out of Raisin?
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.
If Raisin is free to use, how do you make money?
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.
¹Existing Raisin customers (the “Referrer”) are eligible to receive a $100 referral bonus for each new customer they refer (a “Referee”) who (1) opens an account with Raisin.com and (2) makes a “Qualifying Deposit” (as defined below) of at least $10,000. A Referee must use the Referrer’s unique personal referral code at sign-up for the Referrer to be eligible to receive the referral cash bonus. Referral bonuses are limited to a maximum of twenty (20) successful referrals per customer. Raisin may, in its sole discretion, decline to award or revoke referral bonuses for referrals exceeding this limit or in cases of suspected fraud, abuse, or misuse of the referral program.
The Referee bonus offer is available to new customers to the Raisin platform only. Eligible new customers may earn a cash bonus (the "Welcome Bonus") when they deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Welcome Bonus of $40 for depositing between $10,000 and $24,999; $100 for depositing between $25,000 and $49,999; $200 for depositing between $50,000 and $99,999; $425 for depositing between $100,000 and $199,999; and $900 for depositing $200,000 or more. To qualify for a bonus amount, the Qualifying Deposit balance must be maintained continuously at or above the minimum required amount for the applicable bonus tier for the full 90-day maintenance period. If the Qualifying Deposit balance declines at any time during the maintenance period below the minimum required for a bonus tier, the Referee will be placed in the bonus tier corresponding to the lowest Qualifying Deposit balance maintained during that period.
Savings + CD Boost: Referees eligible for the Welcome Bonus may earn an additional bonus by opening a product in a second product category. To qualify, referees must deposit at least $1,000 into the secondary product category within 14 days of their initial deposit and maintain balances over $1,000 in both categories through 90 days from the initial deposit date.
For the purposes of this promotion, High-Yield Certificates of Deposit constitute one product category; No-Penalty CDs and Callable CDs constitute a second product category; and Savings Accounts (including Money Market Deposit Accounts, High-Yield Savings Accounts, and Rate Lock Savings Accounts) constitute a third product category. Savings + CD Boost eligibility is determined by your Welcome Bonus tier: referees depositing between $10,000–$24,999 receive an additional $10; $25,000–$49,999 receive an additional $25; $50,000–$99,999 receive an additional $50; $100,000–$199,999 receive an additional $75; and $200,000 or more receive an additional $100.
The Savings + CD Boost is optional and paid in addition to the Welcome Bonus. To qualify for the Welcome Bonus and Savings + CD Boost, the referee's first deposit must be initiated between September 1, 2026, and September 30, 2026, by 11:59 PM ET, using the Referrer’s unique referral code during 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 of the initial deposit date will be eligible for the Welcome Bonus and Savings + CD Boost. Bonus payouts will be credited directly to the Referrer’s and Referee’s Cash Accounts within 30 days of satisfying all requirements.
US customers only. Not open to Raisin employees. This offer is available to new customers only, is non-transferable, and may not be combined with any other bonus offers unless expressly stated otherwise. 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 September 12, 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.