CPF keeps Q2 interest rates unchanged at floor levels

Ordinary Account stays at 2.5%; Special, MediSave, and Retirement Accounts at 4%.

CPF interest rates and the HDB concessionary housing loan rate will remain unchanged for the second quarter of 2026.

The Ordinary Account rate will stay at 2.5% per annum from 1 April to 30 June 2026, whilst the Special, MediSave, and Retirement Accounts rates will remain at 4% per annum.

The Central Provident Fund Board and Housing & Development Board said the rates are staying at their floor levels because the pegged formulas remain below those floors. The HDB concessionary housing loan rate, which is pegged at 0.1 percentage point above the OA rate, will remain at 2.6% per annum.

Members will also continue to receive extra interest on their CPF savings. Those aged below 55 will earn an extra 1% on the first $60,000 of their combined balances, capped at $20,000 for OA balances.

Members aged 55 and above will continue to receive an extra 2% on the first $30,000 of their combined balances, capped at $20,000 for OA balances, and an extra 1% on the next $30,000.

The extra interest earned on OA balances will go into members’ Special Account or Retirement Account, whilst members aged above 55 who participate in CPF LIFE will continue to earn the extra interest on combined CPF balances that include savings used for CPF LIFE.

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