55+ insured banks & credit unions. Top savings rates. A single secure login.

Open a no-fee Raisin account in minutes and spread your savings across our growing network of banks and credit unions. You’ll get $10 million in federal deposit insurance coverage, all with a single login.¹ Earn more, SaveBetter™.

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55+ insured banks & credit unions. Top savings rates. A single secure login.

Open a no-fee Raisin account in minutes and spread your savings across our growing network of banks and credit unions. You’ll get $10 million in federal deposit insurance coverage, all with a single login.¹ Earn more, SaveBetter™.

View offers
  • 1 account to manage it all

Your funds, protected

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Your funds in the Raisin platform are always in the possession of a federally insured financial institution because we exclusively partner with FDIC-insured banks and NCUA-insured credit unions. With one login, you can spread your deposits across multiple institutions and maximize your total per-institution insurance coverage — typically $250,000 per depositor, per institution. A joint account increases this amount by $250,000 per co-owner (for a total of $500,000) for each institution.

Your data and privacy, secured

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A single Raisin account allows you to hold savings products from multiple institutions — without sharing your personal information more than a single time during our secure sign-up process. As a SOC 2 certified organization, we have met the requirements outlined by the American Institute of Certified Public Accountants (AICPA) to ensure that we have the controls in place to keep customers' data secure and private. You can rely on our suite of cybersecurity measures, such as Multi-Factor authentication, encryption, and web application firewall advanced internet protection and monitoring, to keep your information secure.

Your solution to earn more

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Our partner banks and credit unions rely on Raisin’s expertise in digital deposits to offer their products online to customers like you. In return, they pay us fees — so you don’t have to. That means you can design your own customized savings strategy, maximize your return with competitive rates and no pesky fees, and get help with reaching your savings goals faster.

Open an account in minutes

Select a product

Select

the right product to kickstart your savings journey.

Register for a SaveBetter account

Register

for your no-fee account — it takes less than five minutes.

Add funds

Fund

your new savings product and start earning interest.

Optimize your savings on the go

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Our free mobile app puts the Raisin experience at your fingertips, allowing you to manage your account from just about anywhere. Now, you can view your account balance, rebalance your portfolio, transfer funds, or add new products with just a few taps. Our app also includes all of the same security features that protect your data, privacy, and transactions, so you can manage your money with confidence. Available now on iOS App Store for Apple devices and Google Play for Android devices.

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)

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.

© 2024 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.

¹Based 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 coverage 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. 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: https://www.fdic.gov/deposit/covered/categories.html. For more information on the NCUA share insurance fund, please see: https://www.ncua.gov/support-services/share-insurance-fund. 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.

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.