Spreading holiday cheer with a special offer for savers

To receive up to $125* in Bonus Cash, open and fund a new Raisin account with offer code “CHEER”

Spreading holiday cheer with a special offer for savers

To receive up to $125* in Bonus Cash, open and fund a new Raisin account with offer code “CHEER”

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This Bonus Cash offer is available for a limited time

Holiday Bonus

We invite you to join Raisin and achieve your personal finance objectives quickly, safely and easily. As a thank you for doing so, we're offering up to $125* in Bonus Cash on deposits made through December 31, 2021. Terms and conditions apply.

See offer details below:

• Use offer code “CHEER” when registering

• Receive $25 on your first $5,000 deposit*

• Receive an additional $5 for every $5,000 deposit thereafter, up to $125*

Start earning bonus in 4 simple steps:

  1. Select product
    1.Select the right products for your savings goals.
  2. Register
    2.Register for a Raisin account using offer code "CHEER".
  3. 3.Fund and access your new savings product.
  4. Keep funds for 30 days
    4.Maintain the eligible deposit amount for at least 90 days to qualify.

It’s that simple!

Understanding the different product types

explore high-yield savings accounts

High-yield savings & MMDA

Expedite your savings with APYs significantly higher than the national average.


Receive a competitive rate with the ability to withdraw or add funds whenever you like.

Interest rate

Variable, depending on market conditions.


Flexibility to withdraw as much as you want, whenever you want; there are no restrictions.

explore fixed term CD accounts

Fixed term CDs

Guaranteed rates and clear terms for easy planning or laddering – whatever your timeline.


Lock in to a competitive interest rate for a fixed period to better manage your return expectations.

Interest rate

Fixed for CD term regardless of market conditions.


Full withdrawal when fixed term expires. Penalty fee applies for early withdrawal, varies by bank.

explore no penalty CD accounts

No penalty CDs

Stability and flexibility in one: guaranteed interest rates, plus penalty-free full withdrawal.


The best of both worlds; lock in to a competitive fixed term interest rate with the flexibility of withdrawing.

Interest rate

Fixed for CD term regardess of market conditions.


You can make a full withdrawal as soon as 7 days after funding but rules may vary at different banks.

Develop a cash strategy to meet your unique needs

Use each type of product to make the most out of your short and long-term cash requirements as interest rates change over time. Savings accounts are subject to rate increases and decreases. With CDs, on the other hand, the interest rate is fixed for its specific term. Developing a cash strategy that takes into account both fixed rates (for periods of interest rate uncertainty or to lock into attractive rates) and variable rates (high-yield savings for short term cash needs or if rates are expected to increase) may help you better achieve your long term goals.

All deposit balances on the Raisin platform are held at FDIC insured financial institutions

FDIC insured financial institutions

Federal Deposit Insurance Corporation

All participating banks are members of the FDIC. Deposits in participating banks are insured by the FDIC up to the limits of federal law. The standard insurance amount is $250,000 per depositor, per insured bank, for each deposit account ownership category.


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

* Bonus offer Terms and Conditions:

New customers are eligible to receive a discretionary $25USD bonus cash for the first $5000.00USD deposited through Raisin.com, and $5USD for each additional $5000.00USD deposited in the same product, within 30 days of the first deposit. Each customer is eligible to receive a maximum of $125USD of bonus cash. In order to qualify, deposits must be made by 12/31/21 and cannot be withdrawn prior to 3/31/22 (e.g., a minimum balance of $5,000USD daily to be eligible for a $25USD bonus cash). Bonus cash to be deposited by Raisin LLC into customer’s Customer Account within 30 days after customer qualifies for the offer. Offer valid from 12/16/21 to 12/31/21. US customers only. Not open to Raisin or Deposit Solutions employees. Raisin reserves the right to terminate this offer at any time and to deny Customer bonus cash for any reason.

The Raisin name and logo are trademarks of Raisin LLC. The Deposit Solutions name and logo are trademarks of Deposit Solutions GmbH, used with permission. The Central Bank of Kansas City name and logo are trademarks of Central Bank of Kansas City, used with permission. Continental Bank is a trademark of Continental Bank, used with permission. Ponce Bank and the Ponce De Leon image are trademarks of Ponce De Leon Federal Bank, used with permission. WEX Bank is a trademark of WEX Bank, used with permission. The State Exchange Bank is a trademark of The State Exchange Bank, used with permission. Patriot Bank is a trademark of Patriot Bank N.A., used with permission.

© 2021 Raisin LLC. All rights reserved.

APY means Annual Percentage Yield. APY is accurate as of November 30, 2021. Interest rate 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 facilitate 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 and Clark Bank is the Custodian Bank.