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APY
4.00%
Minimum Deposit
USDÂ 1.0
Fees & Caveats
- Must be a U.S. citizen or U.S. resident alien with a U.S. social security number, residing in the U.S.
- Must have an existing U.S. bank or credit union account to fund your Raisin account.
- 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.
- No branch access; online only.
- Check writing is not allowed for High-Yield Savings Accounts.
- Withdrawal limits (normally six per month) are currently suspended.
Additional Information
- New customers can earn a cash bonus of up to $1,500 by using code HEADSTART when funding their first product between January 15 and February 28, 2026. A minimum deposit of $10,000 within 14 days of the first deposit is required, and the balance must be maintained for 90 days to qualify for the bonus. Bonus tiers range from $70 for deposits between $10,000 and $24,499 up to $1,500 for deposits of $200,000 or more.
Historical APY
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FAQ's
What is the interest rate on Raisin (Save Better) savings account?
The interest rate on Raisin (Save Better) is 4.00% as of Tue Feb 10 2026.
Is the Raisin (Save Better) savings account safe?
Raisin (Save Better) is FDIC insured. This means that your money is insured up to $250,000 by the United States government.
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