If you’re searching for the latest Raisin Savings Network bonus, CD rates, or high-yield savings offers, you’re in the right place.
Raisin is currently offering up to a $2,000 cash bonus when you deposit at least $25,000 into a qualifying high-yield savings account or certificate of deposit (CD) through its platform. With APYs exceeding 4% at select partner banks and no monthly maintenance fees, Raisin allows you to compare and open multiple FDIC-insured savings products in one place.
Instead of opening accounts individually at different banks, Raisin acts as a centralized savings marketplace — giving you access to competitive rates nationwide while managing everything through a single login.
Below, I’ll break down:
- How the Raisin $1,500 bonus works
- Current Raisin CD and savings rates
- Minimum deposit requirements
- How Raisin compares to traditional online banks
- Whether this offer is worth it in today’s rate environment
If you’re parking $25,000 or more in cash and want to maximize yield safely, this promotion is worth a closer look.
Discover more bank bonuses, including top-rated checking and savings accounts available nationwide, by clicking here.
Limited Time Offer: Earn Up To $2000 Sign Up Bonus
Earning the full $2,000 bonus with Raisin isn’t about a single deposit—it’s designed as a tiered, year-long reward system that pays you for consistently growing and maintaining your savings balance.
Here’s exactly how to maximize the offer:
1. Open Your Account and Use Promo Code GIFT
To get started, open your first account through Raisin and enter promo code GIFT.
This promotion is only available to new customers, so you’ll want to make sure this is your first account with the platform.
2. Make Your Initial Deposit (This Unlocks the Bonus Track)
You must fund your account by January 14, 2026 to qualify for the first quarterly payout.
This initial deposit determines your starting tier—the higher your balance, the higher your potential bonus.
3. Earn Quarterly Bonuses by Maintaining Your Balance
Unlike typical bank bonuses, Raisin pays you every quarter instead of all at once.
- Keep your qualifying balance through the end of each quarter
- Receive a cash payout every 3 months
- Continue this process throughout the year to stack rewards
This structure rewards consistency—not just a one-time deposit.
4. Increase Your Balance to Unlock Higher Tiers
Here’s where you can really maximize the offer:
- Add more funds before each quarterly deadline
- Move into a higher bonus tier
- Earn larger payouts in the following quarters
In other words, the more you save over time, the closer you get to the full $2,000 bonus.
Trending Savings Account Deal:
Understanding Raisin Savings Network
Formerly known as SaveBetter, Raisin provides a network of FDIC-member banks and NCUA-insured credit unions offering high-yield savings products. This setup allows users to spread their money across multiple products while managing them in a single account. Key benefits include:
- Comprehensive Coverage: $250,000 insurance per institution.
- One-Stop Management: Manage multiple savings products conveniently.
- Fee-Free: Enjoy all these benefits with no account management fees.
Raisin’s approach simplifies the savings process, offering a secure way to diversify and grow your savings without the hassle of managing multiple accounts.
Current Rates for Popular Products in the Raisin Savings Network
Here are the current rates for popular products in the Raisin network. For the latest rates, click here.
Here’s a sample of what you will find as of April 7, 2026. Be sure to click on this link to get the latest rates.
| Bank | Account Type | APY |
|---|---|---|
| Centier Bank | High-Yield Savings Account | 3.95% |
| First Mid Bank & Trust | Money Market Deposit Account | 3.95% |
| NexBank | High-Yield Savings Account | 3.92% |
| Prism Bank | High-Yield Savings Account | 3.91% |
| American First Credit Union | Money Market Deposit Account | 3.90% |
| Live Oak Bank | High-Yield Savings Account | 3.90% |
| Patriot Bank N.A. | Savings Account | 3.90% |
| Generations Bank | Money Market Deposit Account | 3.86% |
| Mission Valley Bank | High-Yield Savings Account | 3.86% |
| mph.bank (Liberty Savings Bank) | High-Yield Savings Account | 3.86% |
| Endeavor Bank | Money Market Deposit Account | 3.85% |
| Harborstone Credit Union | Money Market Deposit Account | 3.85% |
| OptimumBank | Money Market Deposit Account | 3.85% |
| Patriot Bank N.A. | Money Market Deposit Account | 3.85% |
| Dayspring Bank | High-Yield Savings Account | 3.83% |
| Dayspring Bank | Money Market Deposit Account | 3.83% |
| First Community Bank | High-Yield Savings Account | 3.82% |
| Hanover Bank | Money Market Deposit Account | 3.80% |
| Western Alliance Bank | High-Yield Savings Account | 3.80% |
| Valley National Bank | High-Yield Savings Account | 3.79% |
| Liberty Savings Bank FSB | High-Yield Savings Account | 3.76% |
| mph.bank (Liberty Savings Bank) | Money Market Deposit Account | 3.76% |
| Blue Federal Credit Union | Money Market Deposit Account | 3.75% |
| Customers Bank | High-Yield Savings Account | 3.64% |
| American State Bank | Money Market Deposit Account | 3.61% |
| First State Bank | Money Market Deposit Account | 3.60% |
| Continental Bank | High-Yield Savings Account | 3.56% |
| Cendera Bank | High-Yield Savings Account | 3.55% |
| First National Bank Of Brookfield | Money Market Deposit Account | 3.55% |
| Adda Bank (Southwest Heritage Bank) | High-Yield Savings Account | 3.50% |
| Golden State Bank | Money Market Deposit Account | 3.50% |
| Locality Bank | Money Market Deposit Account | 3.50% |
| CFBank National Association | High-Yield Savings Account | 3.45% |
| First Mid Bank & Trust | High-Yield Savings Account | 3.45% |
| Paprika Capital Bank (Tradition Capital Bank) | High-Yield Savings Account | 3.45% |
Raisin Savings Network Referral Offer Up To $1500
Current Raisin members can earn a $100 bonus for each new member they refer. New members can receive up to $200, depending on their initial deposit and maintaining it for 90 days.
To refer someone:
- Log into your Raisin account.
- Click ‘Referral’ for your referral code.
- Your friend must use this code when signing up.
Bonuses:
- Referral Registration: Friends must use your code during registration, complete enrollment, and deposit at least $5,000.
- Earn Bonuses:
- You earn $100 once the referral is eligible.
- Referees can earn up to $200.
- Continue referring to earn up to $1,500 in bonuses.
More details about their referral program here.
Trending Checking Account Deal:
Maximizing Your Raisin Experience
To get the most out of Raisin’s offerings:
- Diversify Wisely: Spread your savings across various products to maximize returns and coverage.
- Stay Informed: Keep track of the bonus and insurance terms to ensure your savings strategy aligns with the changing rates and benefits.
- Engage in Referrals: Use the referral program to benefit from and share the advantages of Raisin with friends and family.
Trending Savings Account Deal:
Our Take on the Offer
The Raisin Savings Network’s latest promotion seems like a solid deal for those looking to streamline their savings strategy and earn extra cash.
With competitive rates, extensive insurance coverage, and a user-friendly platform, it offers a practical solution for managing and growing your savings.
While the bonuses provide an added incentive, the real value lies in the convenience and security Raisin brings to saving.
READ MORE: SEE THESE CASH BACK SHOPPING DEALS AND PROMOTIONS FOR BONUS CASH AND REWARDS
FAQ for Raisin Savings Network
1. What is the Raisin Savings Network? Raisin, formerly known as SaveBetter, is a platform offering access to a variety of high-yielding savings products from different federally insured banks and credit unions. It allows users to manage multiple savings accounts in one place, maximizing returns and insurance coverage.
2. How does Raisin work? You sign up for a no-fee Raisin account, then select and deposit funds into savings products from Raisin’s network of banks and credit unions. You can manage all these accounts, view balances, and add new products through Raisin’s platform.
3. What types of savings products are available on Raisin? Raisin offers a variety of products, including high-yield savings accounts, money market accounts, and certificates of deposit (CDs) from its partner institutions.
4. Is my money safe with Raisin? Yes, all savings products offered through Raisin are from FDIC-member banks or NCUA-insured credit unions, providing up to $250,000 of federally insured coverage per institution, per individual.
5. How do I open a Raisin account? You can open an account by registering on the Raisin website. The process involves providing some personal information, setting up your account, and linking an external bank account for fund transfers.
RAKUTEN $50 SIGN UP BONUS – Click here to get it!
6. Are there any fees associated with a Raisin account? Raisin accounts come with no fees for the customer. The partner banks and credit unions pay Raisin for marketing their products, allowing Raisin to offer its service free of charge to users.
7. What is the Raisin New Account Bonus? New members can earn a $25 minimum bonus up to a $125 maximum bonus when joining Raisin and meeting certain deposit conditions, like maintaining a minimum balance for 90 days.
8. How does the Raisin Referral Program work? Current members can earn a $50 bonus for each new member they refer who joins Raisin and meets the qualifying conditions. New members referred can also earn a sign-up bonus based on their initial deposit and maintenance period.
9. How long do I need to keep my deposit in Raisin to qualify for bonuses? To qualify for the new account bonus and referral rewards, typically, you need to maintain your initial deposit for at least 90 days.
10. When will I receive my bonus? Your bonus cash will be deposited into your linked external bank account within 30 days of qualifying for the bonus.
11. How many people can I refer to Raisin, and is there a limit on referral rewards? You can refer as many people as you like, but the total referral rewards are capped at 20 bonuses or $1,000 in total referral rewards per person.
12. How do I manage my savings products on Raisin? Once you have an account, you can manage all your savings products, rebalance your portfolio, and add new products easily from the Raisin dashboard.
13. Can I withdraw my funds anytime from savings products on Raisin? Withdrawal terms depend on the specific product you choose. Some accounts may have penalties for early withdrawal, especially CDs, while others like savings accounts might offer more flexibility.
14. Who is eligible to join Raisin? Raisin services are available to U.S. customers. However, specific eligibility may depend on the terms set by partner banks and credit unions for their respective products.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
Discover more from MoneysMyLife
Subscribe to get the latest posts sent to your email.
You’re invited to get more out of your savings with Raisin — and earn an up to $200 bonus using my referral code jenniferc052478!
Click raisin.com/en-us/referral-program?utm_source=email&utm_medium=referral&utm_campaign=raf-bonus, select a savings account or CD, and enter code jenniferc052478 during the quick sign-up process to be eligible. Terms and conditions apply.
Referral code: jenniferc052478
With interest rates likely to drop this year, it could be a great time to lock in a nice rate on a long term CD. If you use a referral code to get the $25 – $125 bonus, just make sure it’s still current or it won’t work. If you need a code, feel free to use mine (account opened Jan 2024).
Raisin referral code: jeffh029272