KEY HIGHLIGHTS
- Government extends **4% interest rate floor** on Special, MediSave and Retirement Accounts until **31 December 2026**.
- OA stays at **2.5%**, while HDB loan rate remains at **2.6%** from October to December 2025.
- Extra CPF interest continues, giving younger and older members higher guaranteed returns.
The Government is keeping things steady for CPF members once again. With interest rates drifting lower this year, many were worried their CPF savings—especially for retirement—might earn less. But the Ministry of Finance has stepped in to extend the 4% interest rate floor on Special, MediSave and Retirement Account (SMRA) monies until 31 December 2026. singapore cpf interest rate 2025
It’s a move that gives members a bit more breathing room, especially for those from Jurong East to Pasir Ris who’ve been feeling the pinch from rising food and transport costs. Knowing that at least one part of your savings earns a stable return brings some peace of mind.
Summary of Key CPF Interest Rates (Oct–Dec 2025)
Here’s a quick glance at what’s staying the same—and what it means for your money.
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| Account Type | Interest Rate (Oct–Dec 2025) | What You Should Know |
|---|---|---|
| Ordinary Account (OA) | 2.5% | Pegged rate still below floor, so 2.5% continues |
| Special, MediSave, Retirement Accounts (SMRA) | 4% | Floor extended till 2026 for stability |
| HDB Concessionary Loan | 2.6% | Remains unchanged |
Why the 4% Floor Extension Matters
Let’s be honest—return rates moving up and down can be stressful. The 4% floor has been a reliable anchor for Singaporeans for many years. Extending it into 2026 means your long-term healthcare and retirement funds continue growing at a rate far above today’s market levels.
The official pegged formula—based on the 12-month average yield of 10-year Singapore Government Securities plus 1%—has dipped below 4%. Without the floor, members would have earned less. So this extension is essentially a shield against falling interest rates.
For many uncles and aunties planning their golden years, this consistency matters more than ever.
Ordinary Account and HDB Loan Rate Stay the Same
The OA interest rate stays at 2.5%, as the pegged formula remains lower than the floor rate. This also means the HDB concessionary loan interest rate stays at 2.6%, since it’s always pegged at OA + 0.1%.
If you’re servicing an HDB loan, this means no surprises—your instalments won’t climb suddenly. In a year where kopitiam kopi prices keep creeping up, this stability helps.
Extra Interest: A Small Boost for Everyone
The extra interest scheme continues unchanged. It might look small on paper, but over years, it really adds up.
For Members Below 55
You’ll keep earning an extra 1% on the first $60,000 of your combined balances
(capped at $20,000 for OA).
This extra interest goes straight into boosting your Special Account—giving your retirement money a nice lift.
For Members Aged 55 and Above
You enjoy even more perks:
- Extra 2% on the first $30,000 of combined balances
(capped at $20,000 for OA) - Extra 1% on the next $30,000
If you’re on CPF LIFE, don’t worry. You’ll still earn extra interest on your combined balances, including the savings used for CPF LIFE payouts.
For many seniors who feel the squeeze of medical bills or rising grocery costs at FairPrice, these extra interest boosts give a bit more comfort.
What This Means for CPF Members in 2025–2026
Here’s the thing: not everything in Singapore has been predictable recently—transport, utilities, even hawker prices seem to inch up every few months. But CPF interest rates have remained a rare bright spot of consistency.
By extending the 4% SMRA floor, the Government is signalling that retirement stability is a priority. For younger members, it means your long-term nest egg grows at a healthy pace. For seniors, it means more predictable support during a stage of life where security matters deeply.
And with the OA and HDB loan rates staying unchanged, households can plan with fewer surprises.
