Available nationwide, Mission Valley Bank High Yield Savings Accounts are offering a phenomenal 3.86% APY rate + up to $1500 bonus.

Update 1/15/26: You can currently earn up to $1500 bonus through 2/1/26!

Start earning more with Raisin — including up to a $1,500 cash bonus. Open an account using code HEADSTART by February 1 and make a qualifying deposit. Valid for new customers only.
Select a savings offer and sign up: Choose and fund at least one high-yield savings account or CD on the Raisin platform to get started. Be sure to enter bonus code HEADSTART during sign-up to be eligible for a cash bonus.
Deposit funds: The more you save, the more you can earn. Make a qualifying deposit(s) within 14 days of opening your account to set your bonus tier.
- Deposit $10,000 – $24,499, earns a $70 cash bonus
- Deposit $25,000 – $49,999 earns a $175 cash bonus
- Deposit $50,000 – $99,999 earns a $350 cash bonus
- Deposit $100,000 – $199,999 earns a $750 cash bonus
- Deposit $200,000 or more earns a $1,500 cash bonus
Maintain your deposit(s): Maintain your deposit(s) for 90 days from your first deposit date to earn your bonus.

Terms:

New customers only. Earn a cash bonus when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive $70 for depositing between $10,000 and $24,499, $175 for depositing between $25,000 and $49,999, $350 for depositing between $50,000 and $99,999, and $750 for depositing between $100,000 and $199,999, and $1,500 for depositing $200,000 or more. To qualify for the bonus, your first deposit must be initiated between January 15, 2026, and February 1, 2026, by 11:59 PM ET, and the promo HEADSTART must be entered at the time of sign-up. 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 of meeting all qualifying terms. This offer is available to new customers only and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.

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About Mission Valley Bank High Yield Savings

Mission Valley Bank is a full-service, independent, commercial bank that is locally owned, community-minded and relationship driven.

A CDFI (Community Development Financial Institution), Mission Valley Bank has been committed to supporting the growth of small business for more than 20 years and their Give Where You Live program spotlights and supports local area non-profits though both volunteerism and contributions throughout the year.

Mission Valley Bank is dedicated to their customers’ success.

They appreciate each client’s business and welcome the opportunity to earn yours.

Balance Requirement	APY Rate
$0.01+	3.86% APY

Mission Valley Bank High Yield Savings Rate

Account Type: High Yield Savings Account
Interest Rate: 3.86% APY
Availability: Nationwide
Minimum Balance: None
Maximum Balance: None
Credit inquiry: Soft Pull
Opening Deposit: $1 minimum
Monthly Fees: None
Early Termination Fee: None

Apply Now at Mission Valley Bank

(FDIC Insured)

Mission Valley Bank ACH Capabilities and Limits

ACH Type	Speed	Daily $ Limit	Monthly $ Limit	Notes
Push	?	?	?
Pull	?	?	?

How to Earn Mission Valley Bank Rate

Open a new account with a minimum opening deposit of $1.
Fill out your personal information – Provide your name, address, phone, email and social security number or Tax ID.
Fund the account/transfer funds – Transfer funds electronically from an internal account here or an external account at another bank.
Start earning interest from Day 1 of your first deposit with no limit on how much you can earn.

Why You Should Sign Up For This Account

FDIC insured. No fees. $1 minimum deposit.
24/7 online access to funds.
Mission Valley Bank actively supports many non-profit organizations – making a difference throughout the communities they serve.