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4% rate floor for CPF Special, MediSave, Retirement accounts extended to end-2026
September 23, 2025
|The Straits Times
The 4 per cent rate floor for interest earned on all Central Provident Fund (CPF) Special, MediSave and Retirement Account (SMRA) monies will be extended for another year to end-2026.
This will continue to provide CPF members with certainty on the returns of their CPF savings amid the falling interest rate environment, said the CPF Board (CPFB) and HDB in a joint statement on Sept 22.
From Oct 1 to Dec 31, the interest rates for the following will remain unchanged: SMRA (4 per cent), Ordinary Account (OA) (2.5 per cent) and the concessionary rate for HDB housing loans (2.6 per cent).
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