Access exclusive savings rates from 100+ trusted banks and credit unions with Raisin
Bank
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.
A smart savings strategy starts with a strong foundation. Sign up with code STACK and deposit $10,000 or more to secure your welcome bonus while earning top rates.
Earn an extra bonus on top when you split your qualifying total balance between a savings account and a CD within your first 14 days. See full terms below.¹
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 provide the secure technology to manage your savings, while federally insured banks and credit unions directly hold your deposits. This ensures your money is never commingled — and is eligible for FDIC or NCUA insurance, up to $250,000 per depositor, per institution, subject to certain conditions.†
By spreading your savings across multiple partners, you can access over $10 million in total coverage, while our advanced encryption and daily synchronized records ensure your funds remain undeniably yours.
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 100+ 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 is a free financial platform that gives you access to exclusive high-yield savings rates from a network of 100+ trusted banks and credit unions, allowing you manage all your savings in one place.
Once you create your free account, you can easily open and fund multiple CDs and high-yield savings accounts with as little as $1. Your Raisin dashboard lets you seamlessly move money between products as rates change, allowing you to skip the hassle of opening separate accounts and managing multiple passwords across various banks.
It’s a simple way to maximize your returns while keeping your funds protected.
To earn your base welcome bonus, use promo code STACK when registering your new account between September 1 and September 30, 2026, deposit at least $10,000, and hold those funds continuously for 90 days. You have a full 14-day funding window starting from your first deposit to make multiple transfers and reach a higher bonus tier.
Satisfying these base requirements is mandatory to unlock and earn the optional bonus boost. You can add this boost during your 14-day window by spreading your funds on the platform across at least two distinct product categories by day 14. You must allocate at least $1,000 to your secondary product category. The eligible product categories are:
Raisin is not a bank or a credit union. We are 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.
This centralized experience keeps your data protected in one place while you move money seamlessly across our network of FDIC- and NCUA-insured partners. Your funds stay with the institutions you select, while we provide the high-level security that keeps your account access safe.
Choosing the right account depends on whether you value immediate access to your cash, locked-in fixed rates, or maximum flexibility. Here is a quick guide to help you decide:
High-yield savings accounts (HYSA): Best if you want complete flexibility. You earn high variable interest rates while maintaining penalty-free access to your cash whenever you need it — ideal for emergency funds or short-term savings.
Fixed-rate certificates of deposit (CDs): Best if you want to lock in a competitive rate for a set amount of time. You receive fixed APYs across flexible term lengths ranging from 1 month to 5+ years, making this ideal for planned long-term goals.
No-penalty CDs: Best if you want fixed rates without committing long-term. You lock in a competitive return with the freedom to withdraw your full balance anytime after the initial waiting period without paying a penalty.
Money market deposit accounts (MMDA): Best if you want competitive rates managed online. Enjoy attractive money market yields without market risk, all managed easily through your dashboard.
All deposit accounts offered through Raisin are eligible for FDIC or NCUA insurance, up to $250,000 per depositor, per institution, subject to certain conditions.
Your deposits made through Raisin are held in accounts eligible for FDIC or NCUA insurance, up to $250,000 per depositor, per institution, subject to certain conditions. Because Raisin connects you with over 100 partner banks and credit unions, you can diversify your savings across multiple institutions under one secure login, expanding your total FDIC or NCUA coverage up to $10 million for individual accounts (and up to $20 million for joint accounts).†
From your single dashboard, you can open and fund multiple product types across different partner banks with as little as $1. This allows you to easily combine high-yield savings accounts with fixed-rate CDs to build a diversified cash portfolio tailored to different liquidity goals.
Raisin does not charge platform or maintenance fees, and we never take a cut of the interest you earn. Instead, our partner banks and credit unions compensate us for the technology and support we provide to host their products. This allows you to access top rates while helping financial institutions connect with savers they may not have been able to reach before.
Learn more about how Raisin works here.
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.
¹New customers only. Earn a cash bonus (the "Welcome Bonus") when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Welcome Bonus of $40 for depositing between $10,000 and $24,999; $100 for depositing between $25,000 and $49,999; $200 for depositing between $50,000 and $99,999; $425 for depositing between $100,000 and $199,999; and $900 for depositing $200,000 or more. If the Qualifying Deposit balance declines at any time during the maintenance period below the minimum required for a bonus tier, the customer will be placed in the bonus tier corresponding to the lowest Qualifying Deposit balance maintained during that period.
Savings + CD Boost: Customers eligible for the Welcome Bonus may earn an additional bonus by opening a product in a second product category. To qualify, customers must deposit at least $1,000 into the secondary product category within 14 days of their initial deposit and maintain balances over $1,000 in both categories through 90 days from the initial deposit date.
For the purposes of this promotion, High-Yield Certificates of Deposit constitute one product category; No-Penalty CDs and Callable CDs constitute a second product category; and Savings Accounts (including Money Market Deposit Accounts, High-Yield Savings Accounts, and Rate Lock Savings Accounts) constitute a third product category. Savings + CD Boost eligibility is determined by your Welcome Bonus tier: customers depositing between $10,000–$24,999 receive an additional $10; $25,000–$49,999 receive an additional $25; $50,000–$99,999 receive an additional $50; $100,000–$199,999 receive an additional $75; and $200,000 or more receive an additional $100.
The Savings + CD Boost is optional and paid in addition to the Welcome Bonus. To qualify for the Welcome Bonus and Savings + CD Boost, your first deposit must be initiated between September 1, 2026, and September 30, 2026, by 11:59 PM ET, and the promo code STACK must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days of the initial deposit date will be eligible for the Welcome Bonus and Savings + CD Boost. 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, is non-transferable, 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.
© 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 September 27, 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 is not a bank or credit union and does not hold any customer funds. When you make a deposit, your funds are held by a custodial bank in an account for your benefit at the FDIC-insured bank or NCUA-insured credit union you select, rather than becoming a direct customer of the bank or credit union. 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.
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.
