We’re starting the year strong by reaffirming our promise to empower consumers on their financial journeys. At Experian, everything we do is driven by our mission to bring Financial Power to All™—helping people not only understand where they stand but confidently move forward. That’s why I’m pleased to introduce the new high-yield Experian Smart Money™ Digital Savings Account[1], designed to make saving effortless, accessible, and more meaningful than ever before.
This new offering is more than just a savings account—it represents an important evolution in how Experian supports financial progress. For years, we’ve helped tens of millions of consumers monitor their credit, improve their credit scores, and protect their identities. Now, by adding a high-yield digital savings account to our existing suite of financial health tools, we’re able to anchor that progress to something tangible: real balances and real momentum.
With the ability to save built directly into the Experian ecosystem, members can track their savings growth alongside credit improvements, creating a clearer picture of their overall financial health. Positive financial behaviors—like paying down debt, making on-time payments, or improving utilization—can now be experienced in parallel with cash accumulation and stronger financial resilience, all in one trusted place.
The Experian Smart Money™ Digital Savings Account offers up to 4.00% variable Annual Percentage Yield[2] (APY), which is nearly 10 times the national average savings rate[3], with no minimum balance or direct deposit requirement. It’s seamlessly integrated into the Experian membership experience, making it easier for consumers to take action the moment insight appears. This launch builds on the success of our Experian Smart Money™ Digital Checking Account & Debit Card introduced in 2023 and reflects our continued commitment to creating products that meet consumers wherever they are on their financial journey.
We believe saving is a foundational financial behavior—and one that plays a powerful, often underappreciated role in credit outcomes. Strong credit health isn’t just about borrowing; it’s closely tied to liquidity, cash flow stability, and financial resilience. Having accessible savings can help consumers stay current on bills during income disruptions, build buffers that reduce reliance on higher-cost credit, and create flexibility that can support long-term credit improvement.
In this way, a high-yield digital savings account becomes more than a place to store money—it becomes a practical tool for building healthier financial habits. Whether it’s emergency savings, goal-based saving, or smoothing cash flow, an Experian Smart Money Digital Savings Account enables consumers to turn good intentions into consistent action.
This launch also reflects our broader evolution beyond a traditional credit bureau. Today, Experian membership provides access to credit monitoring and improvement tools, identity protection, a credit card marketplace, auto insurance comparison shopping, and personalized guidance through our AI-powered virtual assistant, EVA. Adding a high-yield digital savings account allows us to take the next step with our members—bridging the gap between insight and action.
Instead of stopping at “here’s where you stand,” Experian can now help consumers actively build positive financial momentum. We’re extending our role as consumers’ BFF—Big Financial Friend—by making it easier to save, plan, and grow within the same ecosystem they already trust.
By innovating and delivering products that truly make a difference in people’s everyday financial lives, we’re continuing to advance our mission and help consumers turn knowledge into progress.
Learn more at experian.com/smartmoney.
[1] The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Banking services provided by CFSB, Member FDIC. Experian is a Program Manager, not a bank. See Experian.com/legal.
[2] The Annual Percentage Yield (APY) is 2.00%, 3.00% or 4.00% as of today’s date based on the Experian membership status. The APY may change at any time before or after your account is opened. Changes to the Experian membership can impact the APY, interest rate, and features. The interest rate and APY may be lower during membership trial periods. No minimum deposit to open account. Balance must be at least $0.01 to earn APY. Learn more.
[3] As of Dec. 15, 2025, the national average rate for savings accounts was 0.39%, according to the FDIC.