Earn up to $2,000 in cash bonuses. The gift that keeps on giving.
While new sign-ups have ended, the rewards are just getting started! If you’re already enrolled, you're still eligible to earn quarterly bonuses throughout 2026.
One platform. Many ways to save.
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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.
New customer offer: Here's how to earn up to $2,000¹
Start your savings journey with promo code GIFT– available for new customers only. Open your first account, add funds, and enjoy cash rewards all year long! The more you save, the more you earn. Add funds each quarter to grow your balance and unlock higher rewards.
How it works:
1. Open your first account through Raisin by January 14, 2026 using promo code GIFT
2. Make your qualifying deposit before January 14th to be eligible for the first quarter’s bonus.
3. Maintain your balance through the end of each quarter to earn cash payouts every three months.
4. Add more funds anytime before the next bonus deadline to move up a tier and earn even more.
Get rewarded every quarter, all year long
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 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-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 $2,000 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 this bonus offer?
This offer is available only to new Raisin customers who open and fund their first account using promo code GIFT by January 14.
- Open and fund your first account through Raisin by January 14 using promo code GIFT.
- Maintain your balance through the end of each quarter—your bonus will be paid out automatically within 30 days.
- You can add funds before each quarterly funding deadline (January 14, April 14, July 14, October 14) to reach a higher tier for future quarters.
When are bonus payouts issued?
Bonuses are paid quarterly and automatically deposited to your Cash Account within 30 days after the quarter ends. Each quarter also has a funding deadline, which is the last day you can add funds to reach a new bonus tier for that quarter.
Maintain your qualifying balance throughout each period to receive your cash payout!
Can I open more than one account on Raisin for this promotion?
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 quarterly bonus is based on your total balance across all of your accounts at Raisin.
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.
¹New customers to the Raisin platform only. New customers are eligible to earn a cash bonus each quarter for all of 2026 when they deposit and maintain funds with partner banks and credit unions on the Raisin platform subject to the following terms. To qualify, sign up and initiate your first deposit between December 1, 2025, and January 14, 2026 using promo code GIFT during signup. Qualified new customers will then receive a quarterly bonus based on their Eligible Deposit balance maintained on the Raisin platform for each quarter. Quarterly bonus tiers for Eligible Deposit balances are: $20 for balances between $10,000 and $24,999, $50 for balances between $25,000 and $49,999, $100 for balances between $50,000 and $99,999, $200 for balances between $100,000 and $249,999, and $500 for balances of $250,000 or more. “Eligible Deposits” are defined as both funds on deposit and deposits initiated on the Raisin platform by the 14th day of a calendar quarter (the “Qualification Date”). To qualify for a bonus tier, your Eligible Deposit balance must remain above the minimum for a bonus tier from the Qualification Date until the end of that quarter. If your Eligible Deposit balance declines at any time during a quarter after the Qualification Date, you will be placed in the bonus tier corresponding to your lowest Eligible Deposit balance for that quarter even if you subsequently deposit additional funds in that same quarter (though such funds will count as Eligible Deposits for the following quarter). Customers may increase their Eligible Deposit balance and corresponding potential bonus tier by adding funds prior to the quarterly Qualification date (i.e., the first 14 days of the quarter). Bonus payouts for each quarter will be credited directly to your Cash Account within 30 days of that quarter’s end. 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.
© 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 10, 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.