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Raisin Review: Easy Access to Some of the Highest Savings Rates Available

Review Updated
Joel O'Leary
Author: Joel O'Leary
Joel O'Leary
Joel O'Leary
Full-Time Personal Finance Writer

Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.

See Full Bio

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. APY = Annual Percentage Yield.

Raisin is a financial marketplace that partners with dozens of FDIC-insured banks and NCUA-insured credit unions, many of which offer interest rates at the top of the market.

The value pitch is simple: instead of hunting down high-yield savings accounts one by one and managing them across multiple logins, Raisin lets you open and manage all of them from a single dashboard -- with no fees.

Whether you're looking for a high-yield savings account, a money market account, or a CD, Raisin's marketplace makes it easy to find competitive rates and get your money working harder.

  • Our team of experts assessed 100+ banking institutions
  • We evaluate all banking institutions across the same 4 key criteria: annual percentage yield (APY), brand reputation, fees and minimum requirements, and additional perks
  • Our bank ratings are never influenced by our advertising partners
  • We strictly feature products that offer federal insurance and high customer satisfaction, keeping our recommendations unbiased
Offer image for
Open Account

Raisin

Bottom Line

Raisin is a marketplace for savings accounts from FDIC-insured institutions, many of which offer interest rates that are at the top of the market. Raisin is an easy way to open and manage high-yielding savings, money market, and CD accounts, while spreading your money across institutions with FDIC and (for credit unions) NCUA insurance.

Pros
  • Gain access to savings products with market-leading interest rates
  • Easily distribute your money across multiple FDIC and NCUA-insured banks
  • Simply manage accounts on desktop and mobile via a streamlined interface
Cons
  • You can only transfer in and out via one linked external account
  • No bank branch access

At Motley Fool Money, we rate savings accounts on a five-star scale, shown in tenths of a point to highlight even small differences between products. Accounts are evaluated across four main criteria:

  • APY
  • Brand and reputation
  • Fees and minimum requirements
  • Accessibility and features

Scores may be adjusted to reward limited-time high rates or penalize accounts with excessive fees. Our goal is to highlight accounts that are competitive, easy to use, and backed by trusted institutions. Learn more about how Motley Fool Money rates bank accounts.

At Motley Fool Money, we rate savings accounts on a five-star scale, shown in tenths of a point to highlight even small differences between products. Accounts are evaluated across four main criteria:

  • APY
  • Brand and reputation
  • Fees and minimum requirements
  • Accessibility and features

Scores may be adjusted to reward limited-time high rates or penalize accounts with excessive fees. Our goal is to highlight accounts that are competitive, easy to use, and backed by trusted institutions. Learn more about how Motley Fool Money rates bank accounts.

What is Raisin?

Raisin is an online marketplace where you can easily find and sign up for savings products from dozens of FDIC-insured banks and NCUA-insured credit unions. Many of these partners offer top APYs on savings products.

Raisin handles any credit union membership requirements that may be in place, at no cost or inconvenience to you. This means you could open an account with a New York credit union, even if you live in California.

Is Raisin a bank?

Raisin itself is not a bank. It simply provides the marketplace and the account dashboard and monitoring for various types of savings accounts from its partner banks.

Given that Raisin isn't a bank, it's also important to understand that Raisin doesn't hold your money. Instead, Raisin works with a service bank that acts as a conduit to get your money into the accounts that you choose.

This is critical, because it means that your money is in an FDIC-insured institution every step of the way.

Raisin savings accounts

Raisin's partner banks offer high-yield savings accounts with some of the highest annual percentage yields (APYs) currently on the market. Here are a couple of our favorite high-yield savings accounts currently listed on Raisin.

The banks, accounts, and rate offers available on Raisin change regularly.

Valley Bank High-Yield Savings Account
Open Account for Valley Bank High-Yield Savings Account

On Valley Bank's Secure Website.

Member FDIC.

Show Best Offers Available in

Rates as of Mar 01, 2026

Valley Bank High-Yield Savings Account

Open Account for Valley Bank High-Yield Savings Account

On Valley Bank's Secure Website.

Member FDIC.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Open Account for Valley Bank High-Yield Savings Account

On Valley Bank's Secure Website.

Limited-time Offer
NEW CUSTOMER BONUS: Earn up to $1,500 with code HEADSTART at sign-up. Circle with letter I in it.

New customers: earn up to $1,500 in cash bonuses when you open a savings account through the Raisin platform with code HEADSTART and make a qualifying deposit within 14 days of your first deposit. Bonuses are tiered: $70 for depositing between $10,000 and $24,499, $175 for depositing between $25,000 and $49,999, $350 for depositing between $50,000 and $99,999, and $750 for depositing between $100,000 and $199,999, and $1,500 for depositing $200,000 or more. To receive the bonus, deposits must be maintained for 90 days. Offer ends March 31, 2026.
APY
3.79%
Min. To Earn APY
$1
  • Competitive APY
  • No monthly account fee
  • FDIC insured
  • Unlimited number of external transfers (up to daily transaction limits)
  • Deposits and withdrawals can only be conducted via ACH transfer between a single external bank account and a Raisin Cash Account
  • No checking accounts offered through Raisin
  • Limited customer service hours through Raisin
  • Cannot link Raisin accounts to third-party apps (e.g. personal budgeting apps)
  • No branch access; online only

The Valley Bank High-Yield Savings account, powered by Raisin, offers a highly competitive APY, no account fees, and a minimum opening deposit of just $1. Your money is held by Valley Bank, Member FDIC, headquartered in Morristown, New Jersey, which is backed by over $61 billion in assets. Because deposits are covered by FDIC insurance, you can rest assured that your money is safe. You'll get a fairly no-frills account that requires you to make transfers using a single external bank account. But if a high APY is your main focus, the account is worth a look.

Customers Bank High-Yield Savings Account

Read Review
Member FDIC.
4.40/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.40/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Read Review
APY
3.64%
Min. To Earn APY
$1
  • Competitive APY
  • No account fees
  • Unlimited transfers and withdrawals
  • FDIC insured
  • Deposits and withdrawals can only be conducted via ACH transfer to/from an external bank account (limited to one linked external account)
  • No checking accounts offered through Raisin
  • Limited customer service hours through Raisin
  • No branch access; online only

With Customers Bank, Powered by Raisin, you get an APY that outpaces most high-yield savings accounts on the market. Deposits are held with Customers Bank, a midsize regional bank, and are managed via Raisin's secure online platform. Customers Bank is FDIC insured, so your funds are protected up to the legal limit. The trade-off for the high APY is a limited feature set, with ACH transfers to and from a single external account being the sole method for deposits and withdrawals. Still, it's a great match if you desire an exceptional APY with a no-frills online banking experience.

Compare savings rates

Make sure you're getting the best account for you by comparing savings rates and promotions. Here are some of our favorite high-yield savings accounts to consider.

Account APY Bonus Next Steps
up to 4.00%
Rate info Circle with letter I in it. Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
Min. to earn: $0
Earn $50 or $300 and +0.70% Boost on Savings APY with direct deposit. Terms apply. Circle with letter I in it.

Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
3.75%
Rate info Circle with letter I in it. 3.75% APY for balances of $5,000 or more; otherwise, 0.25% APY
Min. to earn: $5,000
N/A
3.80%
Rate info Circle with letter I in it. The annual percentage yield (APY) is accurate as of January 8, 2026 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
Min. to earn: $500 to open, $0.01 for max APY
N/A
Disclaimers

Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.

For complete list of account details and fees, see our Personal Account disclosures.

The annual percentage yield (APY) is accurate as of January 8, 2026 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.

The national average rate referenced is from the FDIC’s published National Rates and Rate Caps for Savings deposit products, accurate as of February 17, 2026. For more information, you can check the FDIC website.

Raisin CD accounts

Raisin offers both standard CD (certificate of deposit) accounts as well as no-penalty CD accounts.

The primary differences between the two are that the standard CDs charge a fee if you withdraw your funds prior to the maturity date of the CD, while the no-penalty CDs do not. On the other hand, the standard CDs tend to offer higher interest rates than the no-penalty CDs.

Note that you always have seven days to cancel an automatic CD renewal or rollover without penalty. And because of the variety of CDs available on Raisin, it can be a great tool for building a CD ladder.

Here are some of our favorite standard CDs currently available on Raisin.

Limited-Time Offer

New Raisin CD customers can earn $250 with code GET250 at sign up with a qualifying deposit. See site for details.

Rates as of Feb. 20, 2026

APY = Annual Percentage Yield

Offer image for Western Alliance Bank CD
Western Alliance Bank CD
Bottom Line

Western Alliance Bank offers some of the highest APYs we've seen across short-term CDs through the Raisin platform. Its CDs have low $1 minimums, and relatively low withdrawal penalties without any additional fees. But you will need to look elsewhere for terms longer than one year.

MINIMUM DEPOSIT $1
Open Account for Western Alliance Bank CD

On Raisin's Secure Website.

3 Mo. APY 4 Mo. APY 6 Mo. APY 9 Mo. APY 1 Yr. APY
4.00% 4.00% 3.50% 3.40% 3.30%
Rates as of Feb. 20, 2026

APY = Annual Percentage Yield

Offer image for Ponce Bank High-Yield CD from Raisin
Ponce Bank High-Yield CD from Raisin
Bottom Line

Ponce Bank is an FDIC-insured bank with well over $2 billion in assets. And with the CDs that it offers via Raisin, savers can access some of the highest CD rates available on the market. Note that the bank offers both standard high-yield CDs (with early-withdrawal penalties) and a no-penalty CD via Raisin.

MINIMUM DEPOSIT $1
Read Review
1 Mo. APY 3 Mo. APY 4 Mo. APY 6 Mo. APY 9 Mo. APY 11 Mo. APY 13 Mo. APY 4 Yr. APY
3.00% 3.90% 3.90% 3.90% 3.00% 1.21% 1.31% 1.61%
Rates as of Feb. 20, 2026

APY = Annual Percentage Yield

Offer image for Freedom Bank High-Yield CDs from Raisin
Freedom Bank High-Yield CDs from Raisin
Bottom Line

Freedom Bank (New Jersey) is an FDIC-insured community-based bank with $700 million in assets. And with the CDs that it offers via Raisin, savers can access some of the highest CD rates that we've found.

MINIMUM DEPOSIT $1
Read Review
1 Mo. APY 3 Mo. APY 6 Mo. APY 9 Mo. APY 1 Yr. APY
3.80% 3.80% 3.50% 3.80% 3.60%

Raisin no-penalty CD accounts

Raisin offers a variety of no-penalty CDs. These generally have a slightly lower APY than a standard CD, but have the big benefit that you can withdraw your money (typically in an all-or-nothing fashion) prior to the maturity of the CD and not be charged an early-withdrawal penalty.

Here are some of our favorite no-penalty CDs currently available on Raisin.

Rates as of Feb. 20, 2026

APY = Annual Percentage Yield

Offer image for Freedom Bank No Penalty CDs from Raisin
Freedom Bank No Penalty CDs from Raisin
Bottom Line

Freedom Bank (New Jersey) is an FDIC-insured community-based bank with $700 million in assets. And with the no-penalty CDs that it offers via Raisin, savers can access their funds without worrying about withdrawal penalties.

MINIMUM DEPOSIT $1
Read Review
9 Mo. APY 1 Yr. APY
3.40% 3.40%
Rates as of Feb. 20, 2026

APY = Annual Percentage Yield

Offer image for Ponce Bank No-Penalty CD from Raisin
Ponce Bank No-Penalty CD from Raisin
Bottom Line

Want the flexibility of a savings account with the benefits of a CD? Ponce Bank offers a high-yield no-penalty CD through its partnership with Raisin. This no-penalty CD gives you special upside on the APY, but with no penalties if you pull your deposits out early. Be aware that the term is only four months.

MINIMUM DEPOSIT $1
Open Account for Ponce Bank No-Penalty CD from Raisin

On Raisin's Secure Website.

4 Mo. APY
3.80%

Raisin money market accounts

Similar to high-yield savings accounts, Raisin offers money market accounts from its partner banks, again featuring accounts with some of the highest APYs available. Here are some of our favorite money market accounts currently available on Raisin.

Valley Bank High-Yield Savings Account
Open Account for Valley Bank High-Yield Savings Account

On Valley Bank's Secure Website.

Member FDIC.

Show Best Offers Available in

Rates as of Mar 01, 2026

American First Credit Union Money Market Deposit Account from Raisin

Federally insured by NCUA.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Monthly Fee
$0
Min. Balance
$1
APY
3.90%
Min. To Earn APY
$1
  • High APY
  • No account fees
  • Unlimited deposits and withdrawals
  • NCUA insured
  • Deposits and withdrawals can only be conducted via ACH transfer between a single external bank account and a Raisin Cash Account.
  • No checking accounts offered through Raisin
  • Limited customer service hours
  • Cannot link Raisin accounts to third-party apps (e.g. personal budgeting apps)
  • No branch access; online only

American First Credit Union is a Southern California-based credit union that offers NCUA-insured deposit accounts. The American First Credit Union Money Market Deposit Account from Raisin could be a great choice if you're looking for a high APY savings product. It offers a much higher APY than you'd get when opening an account directly through the credit union, plus you get access to Raisin's savings marketplace and easy account management.

Harborstone Credit Union Money Market Deposit Account from Raisin

Federally insured by NCUA.
4.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Monthly Fee
$0
Min. Balance
$1
APY
3.85%
Min. To Earn APY
$1
  • High APY
  • No account fees
  • An unlimited number of deposits and withdrawals
  • Low balance requirement
  • NCUA insured
  • Deposits and withdrawals can only be conducted via ACH transfer between a single external bank account and a Raisin Cash Account.
  • Limited customer service hours
  • Cannot link Raisin accounts to third-party apps (e.g. personal budgeting apps)
  • No branch access; online only

Harborstone Credit Union is a Washington State-based midsize credit union that offers NCUA-insured accounts. Harborstone Credit Union Money Market Deposit Account from Raisin is an account with Harborstone Credit Union through Raisin's online savings marketplace. By choosing this account through Raisin, you'll get a higher APY than you would directly through the credit union, a simple online interface, and access to Raisin's online savings marketplace. As with all Raisin accounts, you give up some features of banking directly with the credit union, like branch access and the ability to move money to accounts other than your one linked account.

Is Raisin safe to use?

Even though you're dealing with Raisin, your money never leaves FDIC-insured banks and NCUA-insured credit unions. This means all your accounts and deposits are protected up to $250,000 per person, per institution.

Even in a worst-case scenario if a partner bank fails or Raisin itself goes under, your money is in insured accounts, not held by Raisin directly.

Where does your money go?

When you transfer money to Raisin, it flows from your external account to Raisin's service bank, which then moves it into a custodial account at whichever partner bank or credit union you've chosen.

The custodial account is held in the service bank's name, but your funds are earmarked specifically for you and receive pass-through FDIC or NCUA insurance. This is the same coverage you'd get if you opened the account directly.

How to get started with Raisin

1. Pick a product

To get started, choose the first savings product that you’d like to open.

2. Input your personal information

Once you choose your banking product, Raisin leads you through some information gathering to set up the account.

3. Link an external account

As part of the setup process, Raisin asks for an external bank account. This is where all of the money will come from to fund your Raisin accounts and where all of the money from your Raisin accounts will go when you're taking money out. For most banks, it's easy to connect electronically via Raisin's interface.

4. Fund your Cash Account

Send money from your external account to your Raisin Cash Account. Depending on what time of day you initiate the transfer and what your bank's transfer rules are, it takes at least one day, and up to a few days, before you see the money in your Cash Account

5. Fund your savings, money market, or CD account

Once all of this is set up, you'll choose the amount of money that you want to fund your first account. This will trigger an ACH transfer from your Cash Account to your new account at the Raisin partner bank or credit union. The transfer should take between one and three business days.

One important detail to be aware of is that if you already have an account at the partner bank or credit union, the limit on FDIC or NCUA insurance applies to your combined balance. The limit is per person, per institution.

6. Open as many accounts as you'd like

You can also navigate to the Raisin marketplace that lists all of the savings products from partner banks to open additional accounts.

Because you've already entered all of your information to open the first account, each new account you open requires only a few mouse clicks. Every time you open a new account, you'll fund it from your Raisin Cash Account.

Pros and cons of Raisin

Pros

  • Access to some of the highest APYs on the market across savings accounts, money market accounts, and CDs
  • Manage accounts at multiple banks and credit unions under one login
  • Easy to spread money across institutions to maximize FDIC and NCUA insurance coverage
  • Access to smaller community banks and credit unions you might not otherwise know about
  • No fees

Cons

  • Online only -- no branch access
  • All customer service goes through Raisin directly; you can't contact partner banks yourself
  • No checking accounts -- savings products only
  • Doesn't link to third-party apps like budgeting tools
  • You can only have one linked external account at a time
  • Transferring money is a multi-step process and takes time

Who is Raisin perfect for?

Raisin is a great fit for anyone who wants to squeeze every last bit of yield out of their savings without the hassle of managing accounts across a dozen different banks.

A few scenarios where Raisin really shines:

CD laddering across multiple banks

If you want to build a CD ladder, Raisin makes it really easy to manage different CDs across multiple banks.

You can shop for the best CD rates and terms, open five CDs across five different institutions, and manage them all from one dashboard. No juggling multiple logins or keeping track of maturity dates across different bank websites.

Chasing a great savings rate

If you've spotted a high-yield savings account in the marketplace with an exceptional APY, you can open it in minutes and start earning -- without the usual hassle of setting up a brand new bank account from scratch.

Spreading money across institutions for maximum FDIC coverage

If you're sitting on a mammoth cash pile, Raisin makes it easy to spread funds across multiple FDIC-insured banks and NCUA-insured credit unions, keeping each balance under the $250,000 insurance limit.

The bottom line

Raisin is a smart tool for savers who want to earn more without the headache of managing accounts all over the place. If you're comfortable banking online and your priority is maximizing your interest earnings, it's hard to find a more convenient way to do it.

It's not for everyone. If you need a checking account, want branch access, or rely on third-party budgeting apps, you'll want to look elsewhere.

But if you're parking savings and want to make sure that money is working as hard as possible, Raisin is well worth a look.

FAQs

  • Yes. Raisin is a legitimate marketplace that connects users with savings products at FDIC-insured banks and NCUA-insured credit unions. Founded in 2012, Raisin has grown to serve over 1 million customers across 10 countries, powering more than $80 billion in deposits and helping savers earn over $5 billion in returns. The company brought its marketplace to the U.S. in 2020, and your money is insured at every step of the process.

  • Nope! Raisin does not charge customers any fees to use its platform to open or maintain high-yield savings accounts, money market accounts, or CDs. The platform is free, as partner banks pay fees to Raisin directly. There are also no minimum balance requirements or service fees for accounts opened through them.

  • You can initiate a withdrawal from within the Raisin platform by transferring funds from your savings product to your Raisin Cash Account, and then from your Cash Account to your linked external bank account. The process takes one to three business days, so it's not quite as instant as a traditional bank transfer -- something to keep in mind if you might need quick access to your funds.