1M+ Raisin users worldwide
Earn up to 4.30% APY*
Access high-yield savings accounts from 100+ partner banks and credit unions with a single Raisin login. Plus, earn up to a $1,000 cash bonus when you sign up and complete qualifying steps.¹
Bank
Product
APY*
Maturity
Annualized Earnings
New Raisin Users: 90-Day Rate Lock
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.
How do we bring these rates to you? Partner banks and credit unions use Raisin to reach new savers nationwide. Raisin gives you access to all of these exclusive rates in one place, while your money stays at federally insured partner banks and credit unions.
New customer offer: Earn up to a $1,000 cash bonus¹
Build your balance: Sign up with code STACK and deposit $10,000 or more within your first 14 days. Your qualifying balance can be reached through single or multiple deposits across different partner bank products.
Add an optional boost: Spread your qualifying balance across both Savings accounts and CDs to unlock extra bonus cash.
Get rewarded: Maintain your total qualifying balance for 90 days to receive your bonus in your Cash Account within 30 days of satisfying all requirements.
Get $10M+ in FDIC or NCUA coverage
Raisin isn’t a bank. We provide the secure technology to manage your savings, while federally insured banks and credit unions directly hold your deposits. This ensures your money is never commingled — and is eligible for FDIC or NCUA insurance, up to $250,000 per depositor, per institution, subject to certain conditions.†
By spreading your savings across multiple partners, you can access over $10 million in total coverage, while our advanced encryption and daily synchronized records ensure your funds remain undeniably yours.
What makes Raisin different
Raisin isn’t a bank and that’s a good thing. We partner directly with banks and credit unions to bring you their best savings offers — all managed through one Raisin login.
APY | Top rates (up to 4.12% APY*) | 0.38% national average |
Minimum to open | Just $1 | Often $25–$100+ |
Fees & penalties | No fees, no withdrawal penalties | Monthly fees & withdrawal limits |
Insurance | $10M+ FDIC or NCUA insurance across partners† | $250K per institution, per depositor |
Flexibility | Easily move your money between HYSAs as rates change | Tied to one bank’s rates |
Frequently asked questions
How does Raisin work?
Raisin is a free financial platform that gives you access to exclusive high-yield savings rates from a network of 100+ trusted banks and credit unions, allowing you manage all your savings in one place.
Once you create your free account, you can easily open and fund multiple CDs and high-yield savings accounts with as little as $1. Your Raisin dashboard lets you seamlessly move money between products as rates change, allowing you to skip the hassle of opening separate accounts and managing multiple passwords across various banks.
It’s a simple way to maximize your returns while keeping your funds protected.
How do I qualify for the STACK bonus offer?
To earn your welcome bonus, use promo code STACK when registering your new account between September 1 and October 31, 2026, deposit at least $10,000, and hold those funds continuously for 90 days. You have a full 14-day funding window starting from your first deposit to make multiple transfers and reach a higher bonus tier.
Satisfying these base requirements is mandatory to unlock and earn the optional bonus boost. You can add this boost during your 14-day window by spreading your funds on the platform across at least two distinct product categories by day 14. You must allocate at least $1,000 to your secondary product category. The eligible product categories are:
- Category 1 (Savings): High-yield savings accounts, money market deposit accounts, and "rate-lock" savings accounts
- Category 2 (CDs): High-yield CDs
- Category 3 (Specialty CDs): No-penalty CDs and callable CDs
Is Raisin a bank?
Raisin is not a bank or a credit union. We are a free financial platform that gives you access to exclusive high-yield savings accounts and CDs from 100+ trusted banks and credit unions — all managed through a single, secure login.
This centralized experience keeps your data protected in one place while you move money seamlessly across our network of FDIC- and NCUA-insured partners. Your funds stay with the institutions you select, while we provide the high-level security that keeps your account access safe.
How are my deposits protected?
Your deposits are always held by our partner banks or credit unions, not by Raisin. This means your money is eligible for pass-through deposit insurance from the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Administration (NCUA). This insurance protects deposits up to $250,000 per depositor, per institution, in the event of failure of an insured institution. To learn more about pass-through deposit insurance, click here.
Because Raisin works with over 100 partner institutions, you can easily spread your savings across multiple accounts to access $10M+ in total coverage†, all managed through your single, secure Raisin login.
How do "rate lock" offers work?
Raisin occasionally features rate-lock offers on select high-yield savings accounts, locking in your promotional APY for a specified term (e.g., 30 to 60 days), after which it adjusts to a standard variable rate. While standard HYSA rates are variable, these special offers keep your rate fixed during the promotional window while maintaining your full flexibility to withdraw funds anytime.
Join the 1M+ others already earning more
Get started
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.
Email support.us@raisin.com
¹New customers only. Earn a cash bonus (the "Welcome Bonus") when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Welcome Bonus of $40 for depositing between $10,000 and $24,999; $100 for depositing between $25,000 and $49,999; $200 for depositing between $50,000 and $99,999; $425 for depositing between $100,000 and $199,999; and $900 for depositing $200,000 or more. If the Qualifying Deposit balance declines at any time during the maintenance period below the minimum required for a bonus tier, the customer will be placed in the bonus tier corresponding to the lowest Qualifying Deposit balance maintained during that period.
Savings + CD Boost: Customers eligible for the Welcome Bonus may earn an additional bonus by opening a product in a second product category. To qualify, customers must deposit at least $1,000 into the secondary product category within 14 days of their initial deposit and maintain balances over $1,000 in both categories through 90 days from the initial deposit date.
For the purposes of this promotion, High-Yield Certificates of Deposit constitute one product category; No-Penalty CDs and Callable CDs constitute a second product category; and Savings Accounts (including Money Market Deposit Accounts, High-Yield Savings Accounts, and Rate Lock Savings Accounts) constitute a third product category. Savings + CD Boost eligibility is determined by your Welcome Bonus tier: customers depositing between $10,000–$24,999 receive an additional $10; $25,000–$49,999 receive an additional $25; $50,000–$99,999 receive an additional $50; $100,000–$199,999 receive an additional $75; and $200,000 or more receive an additional $100.
The Savings + CD Boost is optional and paid in addition to the Welcome Bonus. To qualify for the Welcome Bonus and Savings + CD Boost, your first deposit must be initiated between September 1, 2026, and October 31, 2026, by 11:59 PM ET, and the promo code STACK must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days of the initial deposit date will be eligible for the Welcome Bonus and Savings + CD Boost. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. This offer is available to new customers only, is non-transferable, 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.
²APY means Annual Percentage Yield. APYs are accurate as of October 19, 2026. The 4.30% Promo APY is a 90-day rate lock offer provided by Western Alliance Bank, Member FDIC, through the Raisin platform. Funds are deposited in an omnibus custodial account at the participating bank. Pass-through FDIC insurance coverage is subject to satisfying FDIC record-keeping requirements. See specific product terms for full details, including eligibility requirements and post-promo rates. Interest rate and APY may change after initial deposit depending on the terms of the specific product selected. Comparison rate sources: Marcus, American Express, and Capital One, which are accurate as of October 19, 2026 reflecting New York rates for similar products. Rates may vary by state and do not account for bonus, special or promotional APYs unless otherwise stated. National Average is based on the APY average for savings accounts with a minimum balance of at least $2,500 as reflected in the FDIC’s published National Rates and Rate Caps for Savings deposit products, accurate as of October 19, 2026. See the FDIC website for more information.
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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 October 25, 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 or NCUA-insured credit union and does not hold any customer funds. When you make a deposit, your funds are held by a Custodial Bank in an account for your benefit at the FDIC-insured bank or NCUA-insured credit union you select; you do not become a direct customer of that bank or credit union. . FDIC deposit insurance only covers the failure of an insured bank. NCUA deposit insurance only covers the failure of an insured credit union. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
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.