Access exclusive savings rates from 100+ trusted banks and credit unions with Raisin
Earn up to $1,500 with code FRESHSTART at sign-up.
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Product
APY
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.
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.
Select a savings product and sign up
Sign up for Raisin and deposit at least $10,000 by April 30, 2026. You must use code FRESHSTART when you fund your account.¹
Add funds to boost your bonus
The more you save, the more you can earn. Make multiple deposits within the first 14 days of enrolling and spread them across different savings products to maximize your bonus.
Earn your bonus
Maintain your deposits for 90 days to qualify for your bonus!
Access exclusive rates from 100+ FDIC-member banks and NCUA-insured credit unions all in one place.
Get $10M+ in FDIC or NCUA insurance through our partner network, subject to certain conditions.†
Open and manage your savings accounts and tax documents with one secure login.
Raisin's platform is free to use, with no account fees or minimum balance requirements.
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.
Raisin isn’t a bank — we're a free financial platform that gives you access to exclusive high-yield savings accounts and CDs from 100+ trusted banks and credit unions, all managed through a single, secure login.
APY and returns | Choose from top rates from many banks and easily switch between them | Rates as low as 0.01% with typically a small selection of products |
Fees and requirements | $1 minimum deposit and completely free to use | May have monthly fees, withdrawal limits and high balance requirements |
Deposit insurance | $10M+ FDIC or NCUA deposit insurance across partners, subject to certain conditions† | Limited to $250K per depositor, per FDIC-insured bank, for each account ownership category |
Record protection | Customer records are held by Raisin as well as independently maintained by FDIC-member custodial and service banks to ensure robust platform data management and redundancy | Primary record-keeping is centralized at one institution, subject to that bank’s specific operational and system availability |
All banks on the Raisin platform are FDIC members.
All credit unions on Raisin are insured by the NCUA.
Open your account in minutes by following Raisin’s secure sign-up process. It’s the only one you’ll ever need.
With Raisin you get exclusive savings offers from 75+ top banks and credit unions, all in one place.
Link your bank and open your first product with as little as $1. Earn more from day one.
Raisin makes it easy to earn more on your savings.
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 75 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-insured institution.
No fees. No minimums. Just a smarter way to grow your money.
Raisin itself is not a bank or a regulated financial institution. We partner only with regulated banks and credit unions which always hold your funds. These financial institutions are overseen primarily by banking regulators such as FDIC, NCUA, OCC, Federal Reserve Board or state banking authorities, and are subject to the oversight of agencies like the CFPB, FTC, SEC and CFTC as applicable.
Deposits placed through the Raisin platform with FDIC-insured banks are eligible for pass-through deposit insurance from the FDIC; certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Raisin is not an FDIC-insured bank. FDIC deposit insurance covers the failure of an insured bank. To learn more about pass-through deposit insurance, click here.
Deposits placed through the Raisin platform with NCUA-insured credit unions are eligible for pass-through deposit insurance; from the NCUA through its Share Insurance Fund; certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Raisin is not an NCUA-insured credit union. NCUA deposit insurance covers the failure of an insured credit union.
For more information on federal deposit insurance coverage limits and how they may impact your deposits, please refer to our Terms of Service.
Your Raisin login offers you access to savings accounts and certificates of deposit offered by a nationwide network of banks and credit unions. These products include:
All transactions to and from the Raisin platform are conducted via your online dashboard.
Deposits to products on the platform can either be made directly from your external account or from your Cash Account.
Transfers between products or out of the platform are all conducted via the Cash Account.
The Cash Account is powered by First International Bank & Trust (""FIBT""), an FDIC-member bank based in Watford City, North Dakota.
For more information on transactions and transaction timelines, please click here.
Our partner banks and credit unions pay fees to Raisin in return for marketing their products to savers across the United States. This allows us to provide our platform and services free to our valued customers! That’s a win-win!
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.
© 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 7, 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.
