The easiest way to grow your cash savings
Access exclusive high-yield savings accounts and CDs from 100+ trusted banks and credit unions — all managed through a single, secure login.
Earn up to $1,500 with code FRESHSTART at sign-up.
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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.
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.
Unlimited withdrawals
Market-leading rates
High-yield savings
Unlock your cash’s full potential with a high-yield savings account or money market account that maximizes your earning power without sacrificing liquidity.
See high-yield savings
Secure your rate
Term variety
High-yield CDs
Secure a fixed yield for the duration of your chosen term, offering stability and predictable earnings.
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Locked-in yield
Total flexibility
No-penalty CDs
Earn a fixed interest rate with the option to withdraw your funds early without incurring penalties.
See no-penalty CDs
What makes Raisin different?
Raisin isn’t a bank — we're 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.
APY and returns | Choose from top rates from many banks and easily switch between them | Rates as low as 0.01% with typically a small selection of products |
Fees and requirements | $1 minimum deposit and completely free to use | May have monthly fees, withdrawal limits and high balance requirements |
Deposit insurance | $10M+ FDIC or NCUA deposit insurance across partners, subject to certain conditions† | Limited to $250K per depositor, per FDIC-insured bank, for each account ownership category |
Record protection | Customer records are held by Raisin as well as independently maintained by FDIC-member custodial and service banks to ensure robust platform data management and redundancy | Primary record-keeping is centralized at one institution, subject to that bank’s specific operational and system availability |
Get $10M+ in FDIC or NCUA coverage
Raisin isn’t a bank. We partner with federally insured banks and credit unions that hold your deposits. That means your money is eligible for FDIC or NCUA insurance — up to $250,000 per institution, per depositor, subject to certain conditions.†
By spreading your savings across multiple partners, your money is protected well beyond what a single bank can offer.
Open an account today
It's easy to get started — just select a savings product and start earning.
Get started
It's easy to get started
1. Create a free Raisin login
Open your account in minutes by following Raisin’s secure sign-up process. It’s the only one you’ll ever need.
2. Access more ways to save
With Raisin you get exclusive savings offers from 100+ top banks and credit unions, all in one place.
3. Start saving instantly
Link your bank and open your first product with as little as $1. Earn more from day one.
Answers to 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 so you can manage all your cash savings in one place.Once you create your free Raisin login, 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 your money between products as rates change, allowing you to skip the hassle of opening separate accounts and managing multiple passwords at each individual bank.It’s a simple way to maximize your returns while keeping your funds protected.
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.For more information on federal deposit insurance coverage limits and how they may impact your deposits, please refer to our Terms of Service.
What types of products are available through Raisin?
Your Raisin login offers you access to savings accounts and certificates of deposit (CDs) offered by a nationwide network of banks and credit unions. These products include:
- High-Yield Savings Accounts (HYSAs): Earn highly competitive interest rates with the ultimate flexibility. These work just like traditional savings accounts, allowing you to deposit or withdraw funds at any time, but offer much higher returns.
- Money Market Deposit Accounts (MMDAs): Similar to a high-yield savings account, an MMDA offers maximum flexibility for your money while earning a top-tier, variable interest rate.
- No-Penalty CDs: Lock in a competitive rate for a fixed term, but keep the option to make a full withdrawal early without paying a penalty. Terms and conditions may vary by product, so please see specific product terms for more details.
- Fixed-Term CDs: Secure a guaranteed, predictable return. You lock in a fixed rate for a specific amount of time. In contrast to No-Penalty CDs, withdrawing your funds before the term ends will typically result in an early withdrawal penalty. See specific product terms for more details.
- Callable CDs: Lock in a fixed rate that is typically higher than standard CDs. The trade-off is that the issuing bank has the option to "call" (end) the CD before its maturity date. If this happens, you receive your full original deposit plus all the interest you've earned up to that exact date, with no penalties.
How do I move money in and out of Raisin?
All money movements are managed directly through your secure Raisin dashboard and typically process within 1-2 business days, excluding US holidays.
Here's how money movements work:
- Deposits: When you are ready to fund a specific savings product, you can transfer money into it directly from your linked external account or your Cash Account.
- Withdrawals: When you take money out of a savings product, your funds will first need to be withdrawn to the Cash Account before reaching their final destination — whether that is another competitive savings product or your linked external account.
- Transfers In: When you want to move money into Raisin to hold before selecting a product, you transfer funds from your linked external bank account directly into your Cash Account.
- Transfers Out: When you are ready to move money out of Raisin, you transfer funds from your Cash Account to your linked external account.
For more information on transactions and transaction timelines, please click here.
If Raisin is free to use, how do you make money?
Raisin does not charge platform or maintenance fees, and we never take a cut of the interest you earn. Instead, our partner banks and credit unions pay us a fee to reach our community of savers. This allows you to access top rates while helping financial institutions connect with savers they may not have been able to reach before.
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
Als Pionier für Spar-, Investment- und Altersvorsorgeprodukte ermöglichen wir Privatkunden einen unkomplizierten Zugang zu globalen Einlagen- und Kapitalmärkten – ein Vorteil, der auch Finanzinstitute stärkt.
© 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 April 16, 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.