The security firm says the facility offers better protection against hackers, who would only gain access to half a "randomised" password in the case of a successful attack.
The firm said the idea had been discussed by academics for some time.
However, one expert said it would only prevent a minority of attacks.
RSA's distributed credential protection (DCP) facility was announced at the company's annual European Conference in London. "DCP scrambles, randomises and splits sensitive credentials, passwords and Pins and the answers to life or challenge questions into two locations," said the firm's marketing mamanger Liz Robinson.