4.25% APY 3-month certificate, 2.99x higher than national average.
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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.
Always.bank is a small business-focused online bank that brings together the versatility and flexibility of digital banking with the power of human advice from financial experts. From SBA loans to USDA Business & Industry loans, Always.bank has established themselves as an expert in the business lending market.
Through their partnership with Raisin, they’re pleased to offer competitive savings rates to savers nationwide.
Always.bank pairs the benefits of digital banking with the power of human interaction.
Always.bank is dedicated to offering businesses the financing to help solve their unique needs.
The savings products offered by Always.bank exclusively through Raisin feature market-leading rates.
At Raisin, we invest in a variety of technologies to protect our customer’s data, privacy and transactions. These include multi-factor authentication, encryption, and web application firewall advanced internet protection technologies. Raisin is a SOC 2 certified organization, which means we have met the requirements outlined by the American Institute of Certified Public Accountants (AICPA) to ensure that we have the controls in place to keep customers data secure and private.
Always.bank, a division of 22nd State Bank, Member FDIC, partners with the secure Raisin platform to offer savings products to customers nationwide. Through Raisin.com, you can open accounts and manage all aspects of your savings, including deposits, withdrawals, and statements, along with any customer service needs. Raisin provides exclusive access to a special selection of Always.bank's products, ensuring a seamless and efficient banking experience. Best of all, accessing these benefits through Raisin is completely free!
Security: Raisin partners exclusively with federally regulated institutions which are required to implement comprehensive cybersecurity programs including risk assessments, security controls and incident response plans. Raisin itself invests in a suite of state-of-the-art cybersecurity measures including certifications and assessments, data monitoring and data encryption.
Choice: Choose from a diverse selection of savings products offering flexible terms and some of the most competitive interest rates. You can easily find the right product or mix of products for you.
Convenience: One login to hold all your deposit products. Simplified statements. Easy access to manage your funds – all through a streamlined digital platform.
Service: A supportive, accessible, knowledgeable and responsive customer service team sets Raisin apart.
Access: Enjoy 24/7 online access to your account and funds.
the right product for your savings goals.
with an email address and password, then verify your identity and bank information.
the savings products you add to your new Raisin login.
Raisin is a free digital platform that gives savers unparalleled access to a variety of deposit products through the convenience of a single login, helping you unlock the growth potential of your cash savings.
With the Raisin platform, you can fund deposit products offered by federally regulated banks and credit unions with a wide range of maturities and APYs (annual percentage yield), allowing you to build a savings strategy to suit your earning and liquidity needs.
Raisin is not a bank or credit union. It provides the digital “storefront” where banks and credit unions can promote their deposit products.
Raisin is operated by Raisin Solutions US LLC, a 100% subsidiary of Raisin SE, a trailblazer for open banking in the deposits and investments space. In the U.S., Raisin helps banks and credit unions improve their deposit funding by offering national reach for their retail deposit products, and provides savers with better access, more choice and higher convenience when evaluating savings products from federally regulated banks and credit unions.
Interest (or dividend in the case of credit union savings products) is compounded daily and posted to your account monthly.
At Raisin, cybersecurity is our priority. Raisin is a SOC 2 certified platform, meaning it has been validated by outside auditors across five (5) key information security principles. We also use a variety of measures to protect our customers' data, privacy and transactions, including:
Creating a Raisin login is easy, requires no credit check, and typically takes less than five minutes. Here’s how:
Any questions or concerns? Email us at support.us@raisin.com.
All deposits and withdrawals are completed within one to three (1-3) business days. After the initial deposit a withdrawals limitation for the first few business days may exist.
Business days are Monday through Friday excluding U.S. bank holidays.
For products offered by banks, all necessary registration is handled when you become a Raisin customer. One of the many benefits of our platform is that you can open a single account and earn competitive interest rates from banks in the Raisin network. When you select and fund a savings product offered by a credit union, there is an additional step of becoming a member. Raisin makes that process quick, easy and free. You still have one Raisin login and can view all your savings products in one convenient dashboard.
The current APY for your savings products can always be viewed on the Account Overview page when you are logged in to Raisin. This information also appears on monthly statements.
You cannot currently link your Raisin login to a third-party app, but we may offer this feature in the future. For now, you will not be able to link your selected savings product to a third-party app even if the bank or credit union offering that product does so outside of the Raisin platform.