Getting Started with Raisin

Raisin is here to help you kickstart your savings journey! Whether you're trying to figure out which institutions to open accounts with or which products are right for you, we've got all of the information you need.

Getting Started with Raisin

Raisin is here to help you kickstart your savings journey! Whether you're trying to figure out which institutions to open accounts with or which products are right for you, we've got all of the information you need.

A single Raisin login allows you to open accounts with any of our partner banks or credit unions. With a nationwide network of federally insured partner institutions offering a suite of savings products, our platform has many options to help you fulfill your financial goals. Read on for all of the information you need to create your perfect savings strategy.

Selecting the right institutions

Banks vs. Credit Unions

bank vs cu

With Raisin, it's easy to add products from both banks and credit unions to your portfolio! While they're both covered by federal deposit insurance and have a lot of similarities, there are still some key features that set them apart.

Learn more

Save with Purpose

save with purpose

Our savings marketplace allows you to filter our partner institutions by a variety of attributes, letting you save based on your personal values and the institutions that align with them.

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Selecting the right savings products

Our partner banks and credit unions offer a wide range of high-yield savings products, giving you unparalleled access to design a custom savings strategy based on your own needs. We make it easy for you to compare the most important information, like interest rates and term length. These are the types of savings products you can find on the Raisin platform.

  • HYSA/MMDA

    With variable interest rates, earn above-average returns with a lot of liquidity.

    Read more

How taxes are taken care of

You will receive a 1099-INT for each eligible savings product for each calendar year for income tax reporting requirements.

Getting the most out of Raisin

Want to get the most out of deposit insurance?

You can spread your savings across as many of our institutions as you need — all of them are federally insured by either the FDIC or NCUA up to $250,000 per depositor, per institution.

Want to lock in rates so you can have predictable returns?

With a wide range of available products, you can easily use the Raisin platform to create a CD laddering strategy that spreads your savings over terms of varying lengths, allowing you to always have funds approaching maturity.

Want to save with an institution that aligns with your values?

Many of our partner banks and credit unions have core missions that allow you to feel good about where your extra money is stored.

Get started

Is there anything else I need to know?

Getting started with Raisin is simple and — best of all — there are no fees! We’re here to help you get the most out of your savings journey and have lots of resources to help you better understand Raisin. Take a look below for some help on the basics of signing up for an account to figuring out how to create the best savings strategy possible.

  • How Raisin works

    Find out more how Raisin works and how funds move through our platform.

    Learn more

Secure Messaging Center

Email: support.us@raisin.com

Call: 844-994-EARN (3276) (Monday to Friday from 9:00 a.m. - 4:00 p.m. ET)

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The Raisin name and logo are trademarks of Raisin GmbH. All other trademarks, logos, marks, and brand names are the property of their respective owners — used with permission.

© 2023 Raisin GmbH. All rights reserved.

*APY means Annual Percentage Yield. APY is accurate as of {todayDate}. Interest rate and APY may change after initial deposit. Minimum opening deposit is $1.00.

Customer funds are held in various custodial deposit accounts. Each customer authorizes the Custodian 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 Custodian 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 through Raisin.com. Central Bank of Kansas City, Member FDIC, d.b.a. Central Payments is the Service Bank. Lewis & Clark Bank is the Custodian Bank.