Retirement guides to help with future planning
Welcome to your retirement planning center. Explore our comprehensive retirement education platform to discover actionable retirement savings tips and master retirement strategies for your golden years.
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What to know about retirement planning
Build strong financial foundation of understanding the differences between 401(k)s, IRAs, and their respective contribution limits.
Discover advanced strategies for your golden years, from effective asset allocation to managing healthcare costs and strategic withdrawals.
Learn how retirees can get more out of their benefits with tips on calculating and optimizing your Social Security and pension income.
Protect your legacy and your loved ones by navigating the complexities of wealth transfer, digital estate planning, and inheritance taxes.
Retirement account basics
Start your journey with a strong foundation. These retirement guides break down 401(k)s, IRAs, and contribution limits to kickstart your retirement education.
Creating your retirement strategy
Ready to map out your golden years? Discover advanced retirement savings strategies, from asset allocation and healthcare costs to managing your withdrawals.
Maximizing Social Security and pensions
Ensure you get the most out of your benefits. Explore our retirement planning center for actionable retirement savings tips to calculate and optimize your Social Security.
Estate planning
Protect your legacy and your loved ones. Navigate the complexities of wealth transfer, digital estate planning, and minimizing inheritance taxes with confidence.
Getting more from your savings with Raisin
How Raisin works
Find out more how Raisin works and how funds move through our platform.
Education center
Learn more with saving tips and guides on how to get the most out of Raisin.
How to register
This step-by-step guide will show you exactly to open a Raisin login.
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Access exclusive high-yield savings accounts and CDs from 100+ trusted banks and credit unions — all managed through a single, secure login.
State-by-state retirement taxes
Advanced retirement account mechanics
Specialized demographics and retirement tools
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*APY means Annual Percentage Yield. APY is accurate as of September 28, 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 or NCUA-insured credit union and does not hold any customer funds. When you make a deposit, your funds are held by a Custodial Bank in an account for your benefit at the FDIC-insured bank or NCUA-insured credit union you select; you do not become a direct customer of that bank or credit union. . FDIC deposit insurance only covers the failure of an insured bank. NCUA deposit insurance only covers the failure of an insured credit union. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
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.