Where are savings rates headed? Raisin’s 2026 forecast & platform evolution
Raisin is truly here to help you get the most out of your savings.
Raisin recently hosted its consumer webinar, “Where Are Savings Rates Headed? 2026 Forecast & The New Raisin Experience,” to discuss the macroeconomic climate and showcase new platform capabilities.
Hosted by CEO Alastair Wood, with insights from Executive Chairman Michael Blum and Head of Product Saransh Bansal, the session detailed strategies to optimize your savings potential in today's environment.
The “higher for longer” rate environment
While the market was hoping for aggressive rate cuts earlier this year, recent geopolitical events have changed those expectations.
“Instead of the rate cuts many expected earlier this year, we are now in a 'higher for longer' environment, with rate forecasts sitting a full 1% higher than they were back in January,” Michael Blum noted.
With short-term rates expected to remain relatively stable through the first quarter of 2027, savers face reinvestment risk: the danger that available rates will be significantly lower when current terms end. To combat this, Blum suggested considering a CD laddering strategy:
Preserve yield: Locking in longer-term CDs right now can be a yield-preservation move for cash you don't need immediate access to.
- Maintain liquidity: A ladder can allow you to lock in higher rates further out the yield curve while ensuring shorter-term cash comes due as different "rungs" mature.
The new Raisin experience & what's next
“Our decision to refresh our brand is rooted in our broader company vision: Savings without barriers,” said Saransh Bansal.
The new dashboard has been unified into a single Savings Portfolio view. Instead of viewing products separately, users can now see their total wealth — including savings products and their Cash Account — on one screen.
Looking ahead, CEO Alastair Wood previewed several upcoming platform features:
Accelerated timelines: "We know that every day your money spends 'in transit' is a day it isn’t working for you," Wood stated. Raisin is finalizing updates specifically designed to shorten transaction windows.
- Multiple external accounts: Users will soon be able to link multiple external bank accounts automatically, directly from their dashboard.
Earn more on your savings
With 100 federally insured partner banks and credit unions on our platform, Raisin allows you to seamlessly move your cash between products and institutions without the hassle of multiple logins or tedious sign-ups. It's a simple, powerful way to ensure you always have access to premium yields without being stuck with a single bank's offers.
For view current offers on the platform, simply click the button below.
Webinar Q&A
Are my deposits protected when saving with Raisin?
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), subject to certain conditions. 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.
What is the advantage of opening a product through Raisin rather than directly with a bank?
Raisin partners with 100 federally insured institutions, giving you access to a vast marketplace through a single account. If a bank lowers its rates, or if you decide you need a different savings product, you can seamlessly move your money to a new partner bank offering a better rate or different product without ever having to create a new login or go through another onboarding process. Some banks also offer exclusive rates on the platform that are higher than what they offer to the general public.
How frequently do partner banks adjust their rates?
Rate adjustments depend entirely on an individual bank's funding needs and broader macroeconomic conditions, such as moves by the Federal Reserve. Because the Raisin platform features over 100 banks and credit unions, if one institution decides to lower its rates, there is typically another bank offering a highly competitive, premium yield into which you can easily transfer your funds.
What is Raisin doing to accelerate transfer speeds?
When will I be able to link multiple external bank accounts?
How do I change my CD's maturity plan?
To change a CD's maturity plan, log into your Raisin dashboard, navigate to your active CDs, and open the specific account details. Select "Manage your CD," then "Edit Maturity Plan." From here, you can choose whether you'd like your CD to renew at maturity. If you do not renew, upon maturity, your initial deposit and all earned interest will automatically be sent back to your Cash Account, where it is ready to be withdrawn or reinvested.
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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.
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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 May 13, 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.