$10M+
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 $1,500 in bonus cash.¹
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Unlock your referral reward in three steps
1. Select your first product
Compare high-yield savings accounts and CDs from our network of partner banks and credit unions.
2. Register using your referral code
Open your account in minutes and enter your referral code during your first deposit to secure your bonus eligibility.
3. Fund your account and watch it grow
Deposit at least $10,000 and maintain your balance for 90 days to earn your bonus.
Your bonus, tailored to your deposits
A bonus that grows with your savings
When you open your account using your friend's referral code, your bonus is determined by the total amount you deposit within your first 14 days. The more you save, the higher your bonus tier.
Once your tier is established, simply maintain your qualifying balance for 90 days from your first deposit date. Your bonus will be credited within 30 days of satisfying all requirements.
Current top savings products
Bank
Product
APY
Annualized Earnings
New Raisin Users: 90-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 partner with federally insured banks and credit unions that hold your deposits. That means your money 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, your money is protected well beyond what a single bank can offer.
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 so you can manage all your cash savings in one place.Once you create your free Raisin login, 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 your money between products as rates change, allowing you to skip the hassle of opening separate accounts and managing multiple passwords at each individual bank.It’s a simple way to maximize your returns while keeping your funds protected.
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.For more information on federal deposit insurance coverage limits and how they may impact your deposits, please refer to our Terms of Service.
What types of products are available through Raisin?
Your Raisin login offers you access to savings accounts and certificates of deposit (CDs) offered by a nationwide network of banks and credit unions. These products include:
- High-Yield Savings Accounts (HYSAs): 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 (MMDAs): 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?
All money movements are managed directly through your secure Raisin dashboard and typically process within 1-2 business days, excluding US holidays.
Here's how money movements work:
- Deposits: When you are ready to fund a specific savings product, you can transfer money into it directly from your linked external account or your Cash Account.
- Withdrawals: When you take money out of a savings product, your funds will first need to be withdrawn to the Cash Account before reaching their final destination — whether that is another competitive savings product or your linked external account.
- Transfers In: When you want to move money into Raisin to hold before selecting a product, you transfer funds from your linked external bank account directly into your Cash Account.
- Transfers Out: When you are ready to move money out of Raisin, you transfer funds from your Cash Account to your linked external account.
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 pay us a fee to reach our community of savers. This allows you to access top rates while helping financial institutions connect with savers they may not have been able to reach before.
¹Existing Raisin customers (the “Referrer”) are eligible to receive a $150 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 one-time cash bonus by depositing and maintaining qualifying funds on the Raisin platform with participating partner banks and credit unions, subject to the following terms. To qualify, the Referee must sign up and initiate their first deposit between January 30, 2026, and April 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 on the Raisin platform with participating partner banks for 90 days will be eligible for this bonus (a “Qualifying Deposit”). Referees will receive $70 for Qualifying Deposits between $10,000 and $24,999, $175 for Qualifying Deposits between $25,000 and $49,999, $350 for Qualifying Deposits between $50,000 and $99,999, $750 for Qualifying Deposits between $100,000 and $199,999, and $1,500 for Qualifying Deposits of $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. Additional deposits made after the initial 14-day funding window will not increase the bonus amount. 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 Referee bonus offer is available to new customers only. Referral and Referee bonuses 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.
Als Pionier für Spar-, Investment- und Altersvorsorgeprodukte ermöglichen wir Privatkunden einen unkomplizierten Zugang zu globalen Einlagen- und Kapitalmärkten – ein Vorteil, der auch Finanzinstitute stärkt.
© 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 April 19, 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.