New to U.S. banking: All-digital customizable CDs by fintech Raisin now live at MapleMark Bank with up to 2% APY 


First partner bank launch for fintech Raisin’s patented deposits technology

MapleMark Bank has become the first American bank to offer customized Certificate of Deposit (CD) products built by fintech Raisin U.S.’s patented Savings as a Service technology. The bank has launched three CD product categories, now available to the public on its digital banking platform, with minimum investments from $25,000. The CDs feature interest rates between 1.10% and 2% APY –  up to 33 times higher than the average interest rate of 0.06% on savings accounts from the ten largest American banks.* Using Raisin’s embedded software, customers can choose their own CDs with a few clicks, selecting their preferred category – market-linked, ladder, or liquidity.

The central innovation and advantage for consumers is the ability to easily create ladder, market-linked, and liquidity CD products by themselves, online, for no extra cost. With Raisin’s software, clients no longer have to visit a branch, wait for calculations and approvals, or open multiple unrelated banking products in order to achieve their cash savings goals. MapleMark Bank customers can now view the suite of products being initially offered via the bank’s digital platform (, explore available terms and yields, customize and open their preferred account – all in a few clicks, on their own or with support from customer service by phone.

MapleMark Bank Chief Deposit Officer Greg Lewis explains: “MapleMark Bank has a long history of success serving high net worth individuals and businesses. With our digital platform, we are bringing that same high standard of service to a broader public. In partnering with Raisin to launch the first customizable CDs in the U.S., we’re setting a new benchmark for banking customers, combining a unique level of convenience with the cost-efficiency and yield that only cutting edge technology can deliver.”


Paul Knodel © Raisin / Lukas Schramm

“Depositors are looking for opportunities to tap strong expected market growth from the security of a Certificate of Deposit, making the market-linked product particularly attractive right now. Liquidity and ladder CDs have more timeless appeal for customers with predictable outflow needs, like parents with tuition payments or retirees on fixed income,” adds Paul Knodel, CEO of Raisin U.S. “An essential role of fintech today is bringing a wider range of choice to banking customers, reflecting the real variety of goals consumers have for their cash savings. Technology can deliver that choice meeting individual customer needs more transparently and simply than ever.”


Dr. Tamaz Georgadze © Lukas Schramm

Raisin CEO Dr. Tamaz Georgadze: “Together with MapleMark Bank, Raisin U.S. is pursuing Raisin’s core mission of breaking down barriers to better savings and investments. The U.S. deposit market hasn’t seen an innovation in decades. As a pioneer in the deposits space across Europe, it made sense for us to enter the American market by modernizing one of the most important and popular U.S. deposit product categories. Through our technology we’re creating a win-win solution for banks and customers alike. As the first step in building out our U.S. platform, Raisin’s Savings as a Service technology is helping democratize savings for consumers, while delivering flexible liquidity to partner banks who integrate the software.”

*As of a June 2021 analysis by the average national savings account interest rate is 0.06%:
Bankrate also published a June 2021 survey ( of the best interest rates on 2-year CDs, finding rates between 0.60% and .80%. Even MapleMark Bank’s comparable product, a traditional CD with terms available up to 2 years, competes with the highest rate with a fixed rate of 0.75%.


About MapleMark Bank

MapleMark Bank provides Commercial and Private Banking, Treasury and Digital Services to businesses, entrepreneurs, professionals and families.  In addition to in-person banking services at its headquarters in Dallas, Texas, and premier banking site in Tulsa, Oklahoma, MapleMark Bank offers digital first solutions to better serve a growing geographic footprint. Visit for more information.

About Raisin

A trailblazer for platform banking and banking-as-a-service, Berlin-based fintech Raisin was founded in 2012 by Dr. Tamaz Georgadze (CEO), Dr. Frank Freund (CFO) and Michael Stephan (COO). Launched in 2020, Raisin U.S. provides American banks a unique time deposits software solution. Raisin’s European platforms are breaking down barriers to better savings for European consumers and SMEs: Raisin’s marketplace offers simple access at no charge to attractive and guaranteed deposit products from all over Europe, as well as globally diversified, cost-effective ETF portfolios and pension products. Since its launch in 2013, Raisin has placed 35 billion USD for 355,000 customers in 30+ European countries and 103 partner banks. Raisin was named to Europe’s top 5 fintechs by the renowned FinTech50 listing in 2019 and 2020, to CB Insights global Fintech 250 list, and is backed by European and American investors such as btov Ventures, Goldman Sachs, PayPal Ventures, Thrive Capital, Index Ventures, Orange Ventures and Ribbit Capital. Raisin UK in Manchester, banking-as-a-service provider Raisin Bank in Frankfurt, Raisin Pensions, and Raisin Technology all belong to the Raisin group.

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