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.
Merrick Bank
Member FDICHigh-Yield CD
4.25%
12 months
$2,125.00
New Raisin Users: 90-Day Rate Lock
EverBank
Member FDICHigh-Yield Savings Account
4.15%
—
$2,075.00
NexBank
Member FDICHigh-Yield CD
4.15%
3 months
$2,075.00
EverBank
Member FDICHigh-Yield CD
4.10%
6 months
$2,050.00
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.
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
High-yield CDs
Secure a fixed yield for the duration of your chosen term, offering stability and predictable earnings.
See high-yield CDs
No-penalty CDs
Earn a fixed interest rate with the option to withdraw your funds early without incurring penalties.
See no-penalty CDsWhat 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.
| Raisin | Traditional Bank | |
|---|---|---|
| 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 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.
How Raisin handles security
Open an account today
It's easy to get started — just select a savings product and start earning.
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.
Our partner financial institutions
Explore a featured selection from our network of over 100 financial institutions.
WA
Western Alliance Bank
Member FDIC
Learn moreSM
Sallie Mae
Member FDIC
Learn moreVS
VyStar Credit Union
NCUA-Insured
Learn moreTC
Technology Credit Union
NCUA-Insured
Learn moreAnswers to frequently asked questions
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.
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 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 FDIC or the NCUA. This insurance protects deposits up to $250,000 per depositor, per institution, in the event of failure of an insured institution. 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.
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 (HYSA), Money Market Deposit Accounts (MMDA), No-Penalty CDs, Fixed-Term CDs, and Callable CDs.
You have the freedom to manage your funds anytime through your Raisin dashboard, with most transfers settling in 1 – 2 business days. While your dashboard provides constant access, withdrawal rules vary by product — from flexible, anytime access for savings accounts to fixed terms for CDs.
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 compensate us for the technology and support we provide to host their products.
Join the 1M+ others already earning more
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 or email us: 844-994-EARN (3276) · support.us@raisin.com
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 $50 for depositing between $10,000 and $24,999; $125 for depositing between $25,000 and $49,999; $250 for depositing between $50,000 and $99,999; $500 for depositing between $100,000 and $199,999; and $1,000 for depositing $200,000 or more. Promo code SUMMER26 must be entered at sign-up. Offer valid June 1 – August 31, 2026.