Raisin.com: A better way to reach your savings goals
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Have you ever passed up another bank’s better savings rate or product, all because you wanted to avoid the hassle of signing up to become a new customer and having to manage savings across multiple banks? You’re not alone, and now, you’ll never have to miss out on another great savings opportunity again.
Introducing Raisin.com
Raisin.com is an online savings products marketplace that allows you to deposit your cash across multiple high-yield savings products, all from one easy-to-use account.
Raisin.com gives you all of the following:
Safety:
- A selection of products from federally regulated banks and credit unions, splitting high balances across multiple institutions while still managing the funds from one login
- The ability to manage your deposits in different savings products, so that you can increase your interest income and reduce your interest rate risk
Choice:
- Access to competitive saving products — such as high-yield savings accounts, fixed-term CDs and no penalty CDs
Convenience:
- A fast, simple sign-up process – no more need to sign up via individual banks’ websites
- Simple management of multiple savings products, through a single platform, as well as consolidated account documentation come tax time
What is Raisin.com?
The Raisin platform provides a new way to help your savings unlock greater earning potential.
With a fast, one-time online account registration, you can get access to a range of savings products, such as high-yield savings accounts and traditional fixed-term Certificates of Deposit (CDs) or no-penalty CDs.
These products are offered by an exclusive network of federally regulated partner banks and credit unions, which means that your savings, just like your current savings in other accounts, will benefit from FDIC and NCUA protection.
The Raisin platform is designed to help customers like you better manage your cash according to your personal circumstances and goals.
How Raisin.com works
The Raisin platform provides US savers with an exclusive selection of competitive products from numerous financial institutions all accessible with one account. We invite you to join the savings revolution!
We bring quality savings products to you. We do the heavy lifting of finding and giving you access to great products from a single online account.
We present a new way to diversify your liquid cash holdings across multiple banks and credit unions because no single institution has all the best offers. Get started at Raisin.com by discovering competitive savings products.
After selecting the right product or products for your savings goals, register for a free Raisin account.
Your fast, one-time Raisin registration (subject to successful identity verification), gives you access to a network of partner banks and credit unions with competitive, high-yield savings products.
You can fund your account immediately. When your funds are received at the bank, Raisin will then deposit your funds in your desired savings products at our partner institutions.
After your cash is deposited, you can track all of your savings and earnings all from one place.
Although we instruct banks to transfer your savings deposit funds, Raisin.com never holds your money.
In fact, we never touch it. After you direct your funds to a bank via the Raisin platform, a custodian bank transfers your money and holds it on your behalf – until it is returned to you. Your funds are always with a federally regulated institution, and you can always see and manage your savings from your Raisin account.
Use Raisin.com for multiple cash benefits
Too much cash not properly invested over the long term can result in “cash drag.”
Instead, get your cash working for you by allocating it into high-yield savings products with competitive rates paying much more than the average interest on a savings deposit.
You can use Raisin.com for the following cash-surplus situations:
- Preparing for near-term life events such as college tuition, a wedding, growing your family, or buying a new house
- Planning for retirement savings
- Receiving mandatory 401(k) distributions
- Receiving a cash windfall
In addition, get multiple Raisin platform benefits:
- Hassle-free access: Your one-time account registration is all it takes to have your savings deposited securely with multiple bank and credit union partners. There’s no need to open multiple bank accounts with different bank providers.
- Diversified savings: You can diversify your cash across products from multiple banks and credit unions. Think of it as a portfolio of cash!
- Simple management: Stay current on all your cash through a single dashboard.
- Simplified taxes: Instead of having to log into multiple accounts to access multiple interest income (1099-INT) statements come tax time, you’ll receive all relevant documents in one place.
What are you waiting for? Explore products and never miss out on better savings products again.
© 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 24, 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.