Singapore’s Central Provident Fund (CPF) provides a safe haven for deciding on a house, health care, and retirement by guaranteeing interest on your saved money. Government measures in 2025 have helped to keep rates constant.
At the end of 2025, the news of this stability is pleasant amidst the changing global rates. The 4% floor rate for key accounts guarantees a steady income without the risk of losing it because of the markets.
How Interest on CPF Works
The CPF gives interest on a quarterly basis depending on the pegged benchmarks but with a minimum floor. At least 2.5% is earned by the Ordinary Account (OA), while Special, MediSave, and Retirement Accounts (SMRA) earn a minimum of 4%.
These rates are free from risks and supported by the government.
Rates Remained Unchanged in 2025
The OA maintained the 2.5% rate all through the quarters of 2025 while SMRA was at 4%. The market yields went down below the floors, hence the guarantees were fully activated.
Returns were still predictable for a number of millions of members.
Extension of the 4% Floor
The government has prolonged the floor at 4% for SMRA savings until the end of 2026. The support is long-term retirement planning as longevity becomes a personal issue.
Interest Bonuses
Besides the basic rates, you will receive additional interest: under 55 years old +1% on the first S$60,000 (capped S$20,000 from OA), pensioners above 55 years get +2% on the first S$30,000 and +1% on the next S$30,000. This can bring effective rates up to 6%.
Importance of These Rates
Safe and gradual growth will win over inflation in time. The effect of compounding will be more and more as regular contributions turn into big sums for CPF LIFE payouts or health care.
Current Rates Overview (2025)
Please find below a table showing the rates applied in 2025:
| Account Type | Base Rate (2025) | Extra Interest Details | Effective Max with Bonus |
|---|---|---|---|
| Ordinary Account (OA) | 2.5% | +1% on first S$20,000 (under 55) | Up to 3.5% |
| Special/MediSave/Retirement (SMRA) | 4% | +1-2% on first S$60,000 (age-based) | Up to 6% |
| HDB Housing Loan Rate | 2.6% | Pegged to OA +0.1% | N/A |
Looking to 2026
The 4% SMRA floor is valid for the whole year, with quarterly reviews. The OA rate still stays at a 2.5% floor.
Tips to Maximize Growth
Make voluntary top-ups to enjoy tax relief and get higher compounding benefits. Transfer OA to RA (if you are 55 or older) for better rates.
In 2025, Singapore’s CPF interest rates gave steady, safe, and protected growth, and the 4% floor was extended into 2026 for continued safety.
Visit your CPF account now to check your balances, see the credited interest, or plan topping up. Small moves made now will have a large impact in the future!