The Central Provident Fund (CPF) of Singapore provides some of the most secure and dependable interest rates in the market. For the years 2025 and 2026, the rates for both the Ordinary Account (OA) and Special Account (SA) remain unchanging, allowing members to expect a stable growth in their savings.
The current period at or just after the end of 2025 makes these assured rates particularly great. CPF, on the other hand, offers non-risky returns that facilitate retirement, housing, and health care planning in times of unstable global financial markets.
The OA offers 2.5% of its value in interest every year, plus a guaranteed 4% for the SA, MediSave, and Retirement Accounts. Effective rates could be even bonus-enhanced for several members.
Ordinary Account Rate Stays at 2.5%
The distribution of interest for the OA is determined by a combination of the 10-year SGS and the 1-month Sibor rates, with a minimum government-supported interest rate of 2.5%.
During 2025, the average market rates were lower than the 2.5% floor, hence, the members accessed the whole 2.5% interest for the entire year.
Special Account at 4% Floor
The rate for the SA is dependent on long-term government bonds but with a 4% minimum guaranteed ceiling.
This minimum has been applying all throughout 2025 and is still in effect for 2026 thus providing a strong and stable growth.
Additional Interest Bonuses Persist
Members younger than 55 years get a bonus of +1% on the total of S$60,000 across accounts (the S$20,000 from OA is included in the capping).
Those who are 55 years and above benefit from +2% on the first S$30,000 and +1% on the next S$30,000. This could result in an effective rate of up to 6% on lower balances.
Closure of Special Account for Seniors
- From January 2025 onwards, the SA will no longer accept those who are aged 55 and above.
- The savings can be transferred to the Retirement Account (which earns 4%) or OA.
- Members below 55 years will have their SA intact until they turn 55.
Reasons for the importance of these rates at this time
Returns that are safe and predictable contribute significantly to the growth of savings. Over the years, the interest earned on the regular contributions made towards retirement funds becomes a substantial amount due to compounding.
Interest Rates Delight
2025-2026 rates can be easily visualized in the below simple table:
| Account | Base Rate | Extra Interest (First Balances) | Effective Max |
|---|---|---|---|
| Ordinary Account (OA) | 2.5% | +1% on first S$20,000 (under 55) | Up to 3.5% |
| Special/Retirement (SA/RA) | 4% floor | +1–2% on first S$60,000 (age-based) | Up to 6% |
| MediSave Account | 4% floor | Same as above | Up to 6% |
Planning Your CPF Growth
Top up voluntarily for tax relief and higher compounding. Transfer OA to RA (if 55+) for the better rate.
Singapore’s CPF interest rates in 2025–26 stay reliable, with OA at 2.5% and SA/RA/MediSave at 4% floor, plus generous extras for many.
Log into cpf.gov.sg today to check your balances, view credited interest, and explore top-ups. Small steps now build a stronger future!