Important Information
Bonus Offer Terms: New customers only. Must use promotional code HEADSTART at sign-up. First deposit must be initiated between January 15, 2026, and February 1, 2026, by 11:59 PM ET. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days will be eligible for this bonus. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms.
Rate Information: APY means Annual Percentage Yield. Rates are accurate as of January 16, 2026. Interest rates and APY may change after initial deposit depending on the terms of the specific product selected. Minimum opening deposit is $1.00 for most products, but $10,000 minimum required for bonus eligibility.
FDIC and NCUA Insurance: 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. NCUA deposit insurance coverage covers the failure of an insured credit union. Customer funds are held in various custodial deposit accounts at FDIC-member banks and NCUA-member credit unions.
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