Experian, the consumer credit reporting agency, has introduced a savings account for its members that earns 2% to 4% annual percentage yield (APY). The account, called the Smart Money Digital Savings Account, has a tiered-rate structure that’s based on customers’ Experian membership level. The savings account doesn’t have a set minimum deposit amount — nor does it charge a monthly fee — although you may be paying monthly for the Experian membership, depending on the plan you select. Your Experian members ...