Interest rate on CPF Special, MediSave and Retirement accounts remains at 4% for Q3 2025

SINGAPORE – The interest rate on the Central Provident Fund (CPF) Special, MediSave and Retirement accounts (SMRA) will remain unchanged at 4 per cent from July to September 2025.

Savings in these accounts will earn the floor rate of 4 per cent a year in the third quarter, as the SMRA pegged rate remains below the floor rate, according to a joint statement by the CPF Board and Housing Board on May 22.

The interest rate is pegged to the 12-month average yield of the 10-year Singapore Government Securities, plus 1 per cent.

The interest rates for the Ordinary Account and for HDB housing loans remain unchanged at 2.5 per cent and 2.6 per cent, respectively.

CPF members below 55 years old will continue to earn an extra 1 per cent interest on the first $60,000 of their combined account balances, capped at $20,000 for the Ordinary Account.

Those aged 55 and above will continue to earn an extra 2 per cent interest on the first $30,000 of their combined balances, capped at $20,000 for the Ordinary Account, and an extra 1 per cent on the next $30,000.

The extra interest earned on the Ordinary Account will go into a member’s Special Account or Retirement Account, said the statement.

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