Raisin is a fintech firm that companions with banks to supply excessive rates of interest. In addition they run deposit promotions the place they provides you with a money bonus for giant deposits so long as you retain them there for 90+ days.
Proper now, there’s a suggestion with Everbank the place you possibly can lock in a 4.10% APY rate of interest for 90 days.
💵 For a restricted time, you may get a competitively excessive rate of interest plus an enormous deposit bonus that supercharges your efficient annualized APY to ~7% for 3 months.
Desk of Contents
Raisin Bonus Efficient APY Calculator
I clarify it intimately beneath, however for those who don’t care and simply need to know the way a lot you possibly can earn, use this calculator:
Raisin Bonus Efficient APY Calculator
Enter your deposit quantity to estimate your 90-day curiosity, Raisin bonus, and efficient annualized APY.
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Raisin Bonus Phrases
The Raisin bonus phrases are easy. Open a brand new account with Raisin utilizing promotion code FRESHSTART earlier than 4/30/2026.
Then, deposit a minimum of $10,000 inside 14 days. The bonus, which is as much as $1,500, will depend on your bonus quantity.
Right here is the schedule:
| Deposit | Money Bonus |
|---|---|
| $10,000 – $24,999 | $70 |
| $25,000 – $49,999 | $175 |
| $50,000 – $99,999 | $350 |
| $100,000 – $199,999 | $750 |
| $200,000 | $1,500 |
So long as you retain the money in there for 90+ days, the bonus is yours.
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Everbank Excessive Yield Financial savings Supply
The Everbank supply is even less complicated – you get a 4.10% APY fee lock for 90 days. Nothing else to do aside from deposit your funds there:
How You Get Efficient Annualized ~7% APY
Efficient APY ≈ (90-day curiosity + bonus) ÷ deposit × 365/90
Right here’s the calculations for every tier:
| Deposit | 90-Day Curiosity @ 4.10% APY | Raisin Bonus |
Whole Curiosity |
Efficient Annualized APY |
|---|---|---|---|---|
| $10,000 | $101 | $70 | $171 | 6.94% |
| $25,000 | $253 | $175 | $428 | 6.94% |
| $50,000 | $506 | $350 | $856 | 6.94% |
| $100,000 | $1,011 | $750 | $1,761 | 7.14% |
| $200,000 | $2,022 | $1,500 | $3,522 | 7.14% |
The most effective tiers for this are the $100k and $200k, as a result of the bonus is a better proportion of the deposit, however all tiers are fairly shut.
Additionally do not forget that for those who deposit greater than what it is advisable get a bonus (so for those who deposit $51,000 as a substitute of the required $50,000), it’ll decrease your efficient annualized APY.
The most effective half is that you simply get the bonus after 90 days, it’s not like common financial institution curiosity that drips out all yr.
