Overall (8.9/10)
Interest Rates & APY (9.1/10)
Fees & Minimums (9.3/10)
Customer Service (8.9/10)
Mobile App & Digital Banking (9.1/10)
Rewards & Perks (9.3/10)

Raisin Review:

Intro

Raisin (formerly SaveBetter) is the premier U.S. savings marketplace connecting depositors to 65+ FDIC- and NCUA-insured partner banks and credit unions through a single login to capture the highest High-Yield Savings, Money Market, and No-Penalty CD rates in America.

Full Review

Raisin (New York, NY, USA) is a prominent U.S. financial institution evaluated on MoneyCompared. Raisin (formerly SaveBetter) is the premier U.S. savings marketplace connecting depositors to 65+ FDIC- and NCUA-insured partner banks and credit unions through a single login to capture the highest High-Yield Savings, Money Market, and No-Penalty CD rates in America.

In our comprehensive 2026 review, Raisin earned strong marks across rate competitiveness (Up to 5.15% APY), fee transparency, digital mobile experience, and U.S. regulatory consumer protections. Customers can apply online directly at Raisin.

Pros

  • Access 65+ FDIC/NCUA-insured banks and credit unions with a single login and tax summary
  • Consistently features the highest APYs in the U.S. (up to 5.15% APY) with $1 minimum deposit
  • $0 platform fees, $0 monthly maintenance fees, and $0 wire/ACH fees
  • Easily ladder CDs and stack FDIC insurance across multiple partner institutions ($250k per bank)

Cons

  • No checking account, debit card, or ATM access (funds transfer via linked external bank)
  • Transfers take 1-3 business days via ACH
Feature Value
Overall Rating 4.8
Savings APY / AER Up to 5.15% APY
Deposit Insurance FDIC / NCUA Insured ($250k+)

Raisin: Products

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Raisin High-Yield Savings Marketplace

Raisin High-Yield Savings Marketplace

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Raisin High-Yield & No-Penalty CDs

Raisin High-Yield & No-Penalty CDs

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Raisin: Categories

CD Rates & Fixed Deposits

CD Rates & Fixed Deposits

Rated 9.3

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High-Yield Savings

High-Yield Savings

Rated 9.2

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