Raisin savings/CD marketplace bonus: is $900 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $10,000 for 90 days, the tier that adds the most.
Yearly rate on $10,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- −$62$10,000Best for you$40 bonus · 90 days
- −$156$25,000$100 bonus · 90 days
- −$312$50,000$200 bonus · 90 days
- −$598$100,000$425 bonus · 90 days
- −$1,147$200,000$900 bonus · 90 days
The math
Compared with leaving $10k at 4.15%
Deposit $10,000 in new money within 14 days · Keep $10,000 there until day 90. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Deposit $10,000 in new money within 14 days
- 2Keep $10,000 there until day 90
- Ends
- Oct 31, 2026
- Where
- Nationwide
- Monthly fee
- None
- Keep it open
- At least 90 days, or the bonus can be taken back
- Cash stays
- About 90 days
- Bonus paid
- Usually within 30 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Raisin savings/CD marketplace bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $10,000 tier adds −$62: the $40 bonus, minus the $102 that cash would have earned in 90 days. The $25,000 tier adds −$156. At that rate it doesn't beat leaving the cash where it is. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $10,000 in new money within 14 days; keep $10,000 there until day 90. Open nationwide.
When does it end?
The offer ends Oct 31, 2026. The terms were last checked Oct 9, 2026.