Wouldn’t you be more than happy to see your hard-earned savings continuously grow without risk that promised to be a nest egg for your golden years with the dollar you pay towards it daily? In 2025, the Singapore Central Provident Fund (CPF) continued to enjoy alluring, guaranteed interest rates to stabilize amid global uncertainties about the economy.
Steady Rates Throughout 2025
Until the last quarter of 2025, CPF interest rates remained unchanged throughout the year. The government also retained the 4% floor rates on Special, MediSave, and Retirement Accounts (SMRA) during the year so that members can have a guaranteed rate of return despite fluctuations in bond yields.
As for the OA account, it’s also left at the very minimum prescribed by legislation. These rates are to be applied for the quarter, against credits computed monthly and paid annually.
Current CPF Interest Rates Overview
It is given out here as full disclosure over the 2025 standard rates:
| Account Type | Interest Rate (per annum) | Notes |
|---|---|---|
| Ordinary Account (OA) | 2.5% | Pegged to bank rates; floor rate applied all year |
| Special Account (SA) | 4% | Floor rate extended to Dec 2025 |
| MediSave Account (MA) | 4% | Same as SA/RA |
| Retirement Account (RA) | 4% | For members aged 55+ |
Receive Extra Interest and Make More Money
This is where the extra interest by the government scheme tends to draw the most attractions.
Member under 55 get an extra of 1% not exceeding a cap amount of $20,000 from the OA, and a ceiling of an extra 1% on $40,000 (toal combined balances).
55 years and over top out at a 6% effective interest rate with an additional 2% on the first $30,000 and 1% on the second $30,000.
Why the above investment rates matter to you
- The CPF savings are invested in Special Singapore Government securities, fully guaranteed and with no risk involved.
- With the SMRA floor extended (and further to 2026 in recent announcements), reliable preservation and growth of your funds for retirement and healthcare is ensured.
- Younger members are privileged to enjoy these high rates for the long-term so that the magic of compounding can go to work on their earnings.
How to Make the Best of CPF by 2025
You can transfer your OA funds to earn higher rates under special conditions before attaining age 56.
Strengthen the buffer: get on board with voluntary account top-ups and reap the annual thermal energy bond benefit.
Time around age increments like the creation of the RA at 55.
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