How to get started with Raisin
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We’ve all heard the importance of diversification across our investment portfolios. But when it comes to diversifying your day-to-day savings, there simply haven’t been many available solutions to help — until now.
Raisin.com allows you to invest your savings across an exclusive network of federally regulated banks and partner credit unions — all with a single login.
You can get access to a variety of savings products, such as high-yield savings accounts, and certificates of deposit (CDs), or no-penalty CDs.
The Raisin platform gives you the following benefits and more:
- CONVENIENCE. A single login allows you to access a range of high-yield savings products across a growing network of banks and credit unions.
- SECURITY. A single secure sign-up process allows you to open accounts at as many of our partner institutions as you'd like. Plus, our organization is SOC 2 certified, meaning we have the controls in place to keep our customers' data secure and private.
- VARIETY. We partner with a wide range of banks and credit unions, helping to highlight the good work they do for their communities. Filter by attributes ranging from leadership-based criteria to values-based criteria and select institutions that best align with your beliefs.
Now that you’ve been introduced to Raisin, here’s how it works and how to get started diversifying your savings, all in a few steps:
How to get started with Raisin
Raisin’s sign-up process is fast and simple, so you can efficiently move your cash into high-yield products at federally regulated partner institutions.
Step 1: Check out available high-yield savings products
First, review our savings marketplace and choose a product for your initial deposit.
Products can be easily sorted by type (high-yield savings, fixed-term CDs, no-penalty CDs), allowing you to find the product that's right for you. There is no fee to make deposits and you can open an account with as little as a $1 initial deposit.
You can also filter based on different attributes of the banks or credit unions to find one that aligns with your values.
Step 2: Sign up in minutes
Proceed to the secure sign-up process. With Raisin, you can be up and running in minutes.
Step 3: Connect your bank or financial institution
Next, link your financial institution to fund your Raisin account.
Your funds move from your financial institution to Raisin’s custodian bank, where it’s held safe and secure.
From start to finish, your money will be with an federally regulated financial institution.
It’s easy after you sign up
One-time registration
You only need to register for a Raisin account the first time you move your money into a savings product. There’s no need to create additional accounts with Raisin in the future — even when you choose to save with products from different banks.
The sign-up process can be done online from the comfort and safety of your home, providing you with a smooth online banking experience.
After you register for and fund your Raisin account, you can choose from several savings products offered by partner banks.
Track your accounts all from one place
Even after you’ve diversified your savings within Raisin, rest assured, it’s easy to track and manage your savings from a single dashboard.
Account management made simple
Deposits and withdrawals can easily be made from your Account Overview page.
And when one of your CDs reaches maturity, Raisin automatically sends the funds to your linked account.
Save time searching for high-yield savings products
You don’t want to spend countless hours searching for the best savings products on the market.
Time is money, after all.
Raisin presents you with a variety of savings accounts and, coming soon, CDs so that you don’t have to waste time scouring the internet.
A breeze come tax time
If you diversify your savings through traditional means, opening up and maintaining a plethora of bank accounts, you would normally need to track down interest income statements (1099-INT) for each account come tax time.
Nobody wants that headache.
With Raisin, you get all of your tax documents in one place, streamlining the process.
Diversify your savings
Raisin also allows you to diversify your savings across high-yield savings accounts, CDs, and more.
You can also easily implement a “laddering” savings strategy to decrease interest rate and reinvestment risk. Laddering involves investing in products with varying yields and maturities.
If yields rise, you won’t be locked into all of your savings for several years. But if yields fall, you won’t have to reinvest all your savings in lower-yielding products all at the same time.
No hidden fees, period
To recap, the Raisin savings marketplace decreases the time you spend diversifying your savings by:
- Requiring only one account
- Giving you all your savings product information on one dashboard
- Finding and presenting the best deals to you
- Providing you with one easy-to-read document at tax time
It does all of this without charging you fees.
If you’re ready to revolutionize the way you save money, sign up for Raisin today.
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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 8, 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.