Keep Your Nest Egg Growing at 3.80% APY
By: Conor Keenan Last updated February 09, 2026
Conor Keenan is the Co-Founder of CompareAccounts and an Accredited Wealth Management Advisor candidate. He has covered consumer banking & investing trends for over a decade, his work has appeared in The Wall Street Journal, Reuters & Yahoo Finance.
Editorial Independence: Our opinions, reviews, and recommendations are our own. Partner commissions keep our site free, but our content remains independent.
Welcome fellow Flyover readers. Right now, Western Alliance Bank is paying 3.80% APYÂ on their highâyield savings account through the Raisin platform. Thatâs still over 10Ă the national average of 0.39%.
Translation: your money could be growing while you finish the news.
And when you open an account with promo code EASY, new customers can grab a bonus up to $1,000âjust for moving your cash where it earns more.
đ° What Youâll Earn
Letâs talk numbers:
- Deposit $10K â Earn ~$420/year in interest plus a $75 bonus
- Deposit $25K â Earn ~$1,050/year in interest plus a $250 bonus
- Deposit $50K â Earn ~$2,100/year in interest plus a $500 bonus
- Deposit $100K+ â Earn ~$4,200/year in interest plus a $1,000 bonus
Compare that to a bigâname bank paying ~0.04% APY:
- $10K would earn you $4 a year.
- Thatâs the price of a latte. Once.
đ Donât Wait for Rates to Fall. Claim Your Bonus with Promo Code EASYâ
đŻ Why Itâs Great for 45+ Savers
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FDIC-insured up to $250,000 per depositor, per bank category. Sleep-easy safety with real yield.
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Easy online setup (minutes) and straightforward transfersâmove money in or out when you need it.
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Keep cash flexible for things that matter:
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Quarterly tax payments and year-end bills
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Travel funds (see the kids / grandkids without touching investments)
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Healthcare/âjust-in-caseâ cushion
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RMD cash bucket so withdrawals donât force you to sell investments in a dip
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Start small or move moreâearn the same APY across your balance, with a tiered cash bonus for higher deposits.
đĄď¸ Safe. Solid. Backed by Experience.
Western Alliance Bank (NYSE: WAL) is a nationally ranked powerhouse consistently recognized as one of the best-run large banks in America:
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$80+ billion in assets, ranking among the top 40 U.S. banks
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#1 Top-Performing Bank (>$50B assets) by American Banker for four straight years: 2021â2024
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Consistently rated a top-performing bank by Bank Director with industry-leading returns on equity
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FDIC-insured and publicly traded (NYSE: WAL), ensuring both safety and transparency
With a track record of outpacing peers year after year, Western Alliance pairs financial strength with innovationâmaking its high-yield savings account via Raisin both secure and rewarding.
Why Raisin?
Raisin is the simple online platform that lets you open and manage accounts at top banks like Western Alliance, all in one place. One login, multiple banks. Safe, FDIC-insured, and easy to use.
You get the best of both worlds: the strength of a top-performing national bank and the modern convenience of Raisinâs award-winning digital savings platform.
đ How to Get the EASY Bonus (Up to $1,000)
- Open your account through Raisin with promo code EASY
- Deposit funds within 14 days of opening
- Keep your balance for 90 days
- Get paidâbonus lands in your linked account within 30 days
đĄ Tip: You have 14 days to deposit eligible funds.Open your account today and fund it within two weeks.
âł Why Now
Highâyield rates move. Today itâs 3.80% APY. Every day you wait is another day your savings could be working harder.
đ Make It EASY
It takes about 3 minutes to set up. Youâll earn a marketâleading rate, enjoy the security of Western Alliance Bank, and (if you play it right) pocket up to $1,000 in bonus cash.
đ Open Your Western Alliance Bank Account Now with Promo Code EASYâ
Because the easiest money youâll ever make⌠is the money you make while you sleep.
APY
3.80%
- High Yield Savings Account
- Min. initial deposit: $1
- 3.80% APY
- FDIC Insured up to $250,000
- No Monthly Fees
- Interest Compounded Daily
- Exclusive Offer Powered by The Raisin Platform
- U.S.-based Customer Service Available from 8 a.m. to 8 p.m. ET Monday â Friday
- Ranked #1 Top-Performing Large Bank with Assets $50 Billion and Above in 2021, 2022, 2023, & 2024 by American Banker
- See Site for Details
On Raisin's Secure Site for Western Alliance Bank,
Member FDIC
Customers Also Viewed These Certificate of Deposit Accounts From Our Partners
APY
3.50%
4 Month Term
- High-Yield CD
- Min. initial deposit: $1
- Term: 4 Months
- 3.50% APY
- FDIC Insured up to $250,000
- No Monthly Fees
- Interest Compounded Daily
- Ranked #1 Top-Performing Large Bank with Assets $50 Billion and Above in 2021, 2022, 2023, & 2024 by American Banker
- Exclusive Offer Powered by The Raisin Platform
- Limited Time Offer: New customers can earn up to $80 - $2,000 in bonuses for $10K - $250K+ deposited.
- Sign-up with promo code: GIFT
- See Site for Details
On Raisin's Secure Site for Western Alliance Bank,
FDIC Insured
