Open an account, get up to a $1,600 cash bonus
New customers only: earn a bonus when you sign up for Raisin and fund your first account using your unique event promo code.¹ The more you deposit, the more you can earn!
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Bonus-eligible savings & CD offers
Thank you for visiting us at a recent event! Explore top savings rates below to get started.
Sorry, there are no products available at this time.
How do we bring these rates to you? Partner banks and credit unions use Raisin to reach new savers nationwide. Raisin gives you access to all of these exclusive rates in one place, while your money stays at federally insured partner banks and credit unions.
New customer offer: here's how to earn up to $1,600
- Select a savings product and sign up
Sign up for Raisin and fund your first product within 7 days of the event's conclusion using your unique event promo code.¹ Add funds to boost your bonus
The more you save, the more you can earn! Your bonus tier is determined by the total balance you reach 14 days after your first deposit.- Maintain your deposits and get paid
Maintain your qualifying balance for 90 days from your first deposit date to earn your bonus! Funds will be deposited to your Cash Account within 30 days of satisfying all eligibility criteria.
Why savers choose Raisin
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.
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.
Open an account today
It's easy to get started — just select a savings product and start earning.
Get started
What makes Raisin different
Raisin isn’t a bank and that’s a good thing. We partner directly with banks and credit unions to bring you their best savings offers — all managed through one Raisin login.
With Raisin | VS. | With traditional banking |
One secure login guards your personal data and safely allows you to tap into yields from multiple savings products. | VS. | Multiple signups, savings accounts, and products at different institutions each require you to provide sensitive personal information. |
The platform brings together diverse and competitive savings products, including CDs with a range of terms, that increase your earnings potential. | VS. | There are fewer product options, possibly limiting your savings potential. |
Only one login is required. You manage all your chosen savings products through the Raisin platform. | VS. | By opening new accounts at multiple institutions, you get more statements, must remember more passwords, and waste time. |
Frequently asked questions
What is Raisin?
On our secure platform, you can open high-yield savings products and CDs with federally insured banks and credit unions — all managed through one login.
We partner with more than 100 financial institutions, giving you more choice and making top rates easier to reach than ever. Open an account with as little as $1 or manage six-figure balances with confidence knowing every deposit is held at an FDIC- or NCUA-member institution.
No fees. No minimums. Just a smarter way to grow your money.
Why open a savings account on Raisin?
Opening an account through Raisin gives new customers added benefits, including a cash bonus of up to $1,500 when eligibility requirements are met. You’ll also manage your account through the Raisin platform, where you can track your balance, interest, and tax documents, and explore other high-yield offers from federally insured banks and credit unions—all in one secure place.
How are deposits on Raisin protected?
Your deposits are held at federally insured banks and credit unions — not by Raisin.
This means your money is eligible for pass-through deposit insurance from the FDIC or NCUA, subject to certain conditions. This deposit insurance coverage protects deposits up to $250,000 per depositor, in the case of the failure of an insured institution.
Because Raisin partners with many federally insured institutions, you can spread your savings across multiple accounts and access $10M+ in total coverage†, all through one secure Raisin login.
How do I qualify for the bonus?
The offer is available exclusively to new customers who received a unique promo code during a field marketing event from a Raisin representative and meet the deposit and maintenance requirements.
To qualify for the bonus, you must:
- Register with your code: Enter the unique promo code provided by the representative during the sign-up process.
- Fund your account: Initiate your first deposit within 7 days of the event's conclusion.
- Reach a tier: Your bonus amount is based on your total balance 14 days after that first deposit.
- Hold your balance: Maintain your qualifying funds for 90 days from the date of your first deposit.
When will I receive the bonus?
Bonus payouts are issued within 30 days after you successfully complete the 90-day maintenance period and meet all bonus requirements.
There’s nothing you need to do to claim it. Your bonus will be paid automatically to your Cash Account once you qualify.
Is this bonus available for more than one account per customer?
One of the key advantages of Raisin is the ability to open and manage multiple high-yield savings accounts and CDs from our partner banks, all in one convenient place. Your bonus is calculated based on your total qualifying balance across all of your Raisin account
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Join the 1M+ others already earning more
Get up to a $1,600 cash bonus when you sign up for Raisin within 7 days of your event's conclusion.
Use your unique event promo code
Get started
Not sure where to start? We’re here to help.
Our support team is available Monday through Friday from 8 a.m. – 8 p.m. ET. Call 844-994-EARN (3276) or email us at support.us@raisin.com.
Email support.us@raisin.com
¹New customers only. Offer exclusive to event attendees. Earn a cash bonus when you deposit and maintain funds with partner banks on the Raisin platform. To qualify for the bonus, an event-specific promo code must be entered at the time of sign-up; promo codes expire 7 days after the final day of the event, with Day 1 of the expiration period beginning the day following the event's conclusion. Customers will receive $75 for depositing between $10,000 and $24,999, $188 for depositing between $25,000 and $49,999, $375 for depositing between $50,000 and $99,999, $800 for depositing between $100,000 and $199,999, and $1,600 for depositing $200,000 or more. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days will be eligible for this bonus. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. This offer is available to new customers only and may not be combined with any other bonus offers. 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.
†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.
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 May 16, 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.