Earn top rates and up to a $1,000 cash bonus with Raisin¹
Claim a welcome bonus on qualifying balances — earn even more when you open both a savings account and a CD. New customers only.
One platform. Many ways to save.
Bank
Product
APY
New Raisin Users: 60-Day Rate Lock
New Raisin Users: 90-Day Rate Lock
New Raisin Users: 60-Day Rate Lock
New Raisin Users: 120-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.
Stack your rewards with a savings account and a CD
A smart savings strategy starts with a strong foundation. Sign up with code STACK and deposit $10,000 or more to secure your welcome bonus while earning top rates.
Earn an extra bonus on top when you split your qualifying total balance between a savings account and a CD. See full terms below.¹
Step 1: Build your balance
Sign up with code STACK and reach $10,000+ in total deposits within your first 14 days. You can make multiple deposits during this window to hit your balance goal.
Step 2: Add an extra boost (optional)
During your 14 days, fund both a savings account and a CD with at least $1,000 in each to earn an additional cash boost.
Step 3: Get rewarded
Maintain your qualifying balance continuously for 90 days from your first deposit date. Once all requirements are met, your total bonus will be credited to your Cash Account within 30 days.
Why savers choose Raisin
Top rates, less work
Access exclusive rates from 100+ FDIC-member banks and NCUA-insured credit unions all in one place.
Deposits and security
Get $10M+ in FDIC or NCUA insurance through our partner network, subject to certain conditions.†
One secure login
Open and manage your savings accounts and tax documents with one secure login.
No fees
Raisin's platform is free to use, with no account fees or minimum balance 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.
Frequently asked questions
How does Raisin work, and why save through it?
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. Once you create your free account, you can easily open and fund multiple CDs and high-yield savings accounts with as little as $1 — all managed from a single, secure dashboard.
Saving through Raisin eliminates the hassle of managing multiple logins and passwords across various banks just to chase the best yields. It allows you to track your combined balances, interest earnings, and tax documents in one convenient place, and easily move money between products as rates change.
New customers also get added benefits through the STACK bonus, including the opportunity to earn a cash reward of up to $1,000 when eligibility requirements are met.¹
How are deposits on Raisin protected?
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 I qualify for the STACK bonus, and can I add more funds later?
To earn your base welcome bonus, use promo code STACK when registering your new account between September 1 and September 30, 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
Do I have to deposit to multiple products to receive a bonus?
No, it is optional. The bonus boost is an extra cash reward earned by spreading your funds across multiple product categories within your first 14 days.
If you choose to skip it, you will still earn your base welcome bonus by meeting the standard qualifying terms. However, you cannot earn the bonus boost on its own; satisfying the base welcome bonus requirements is mandatory to unlock it.
How many products can I open on Raisin?
One of the key advantages of Raisin is that you can open and manage multiple high-yield savings accounts and CDs from our various partner banks, all in one convenient place.
You do not have to put all your money into a single product to qualify. Your promotional cash reward is calculated based on your total combined balance across all of your Raisin products at the end of your 14-day funding window, allowing you to diversify your savings however you choose.
By spreading your funds across multiple types of products (such as a high-yield savings account and CD), you also can become eligible to earn an additional cash bonus based on your balance tier.
How do I move money in and out of Raisin? Do withdrawals affect my bonus?
You can manage your funds anytime via your Raisin dashboard, with most transfers settling in 1-2 business days. Note: withdrawal rules vary by product — see individual product terms for details.
Withdrawing funds during the 90-day holding period will impact your payout. Your final welcome bonus is determined by the lowest balance you maintain continuously throughout the 90 days. If a withdrawal drops your balance into a lower tier, your payout will be reduced, and if your total balance dips below the $10,000 promotional minimum, you may be disqualified entirely.
Additional, if you have a CD that matures before day 90, you just need to keep those funds deposited on the platform through day 90 to maintain your total balance tier.
For transaction details and timelines, please click here.
When will I receive my bonus cash?
Your total cash bonus, including your base welcome bonus and any optional bonus boost, will be deposited directly into your Cash Account within 30 days after you successfully satisfy all qualification and holding terms.
How do rate lock offers work on Raisin, and do they qualify for the STACK bonus?
Rate lock offers allow you to secure a promotional APY on select savings accounts for a specified term (e.g., 60, 90, 120 days). Once the promotional period ends, the rate shifts to a standard variable APY, but you retain full flexibility to withdraw your funds at any time.
Rate Lock offers qualify for both the STACK welcome bonus and the optional boost, provided all other promotional requirements are met. Note: Withdrawing funds during your 90-day maintenance period may reduce your qualifying balance and impact your final bonus payout.
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.
Join the 1M+ others already earning more
¹New customers only. Earn a cash bonus (the "Base Bonus") when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Base 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.
Multi-Product Boost: Customers eligible for the Base 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. Multi-Product Boost eligibility is determined by your Base 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 Multi-Product Boost is optional and paid in addition to the Base Bonus. To qualify for the Base Bonus and Multi-Product Boost, your first deposit must be initiated between September 1, 2026, and September 30, 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 Base Bonus and Multi-Product 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.
© 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 September 1, 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.