CPF Interest Rates (1 October 2025 to 31 December 2025)

 

	Ordinary Account	Special, MediSave and Retirement Account
Interest Rate	2.5%	4%

To help boost retirement savings, the Government pays extra interest on the first $60,000 of your combined CPF balances, which is capped at $20,000 for Ordinary Account (OA). Please refer to details on extra interest in the table below.

 

Age	Extra interest
Below 55 years old	1% per annum on the first $60,000 (capped at $20,000 for OA)
55 years old and above	2% per annum on the first $30,000, 1% per annum on the next $30,000 (capped at $20,000 for OA)

Extra interest earned on OA savings go into your Special Account (SA) or Retirement Account (RA) to enhance your retirement savings. If you are participating in the CPF LIFE scheme, you will still earn the extra interest on your combined CPF balances, including the savings used for CPF LIFE.

 

Please refer to the respective links for more information on the CPF interest rates and historical CPF interest rates (PDF, 0.15MB).