SINGAPORE: The interest rate for Central Provident Fund ( CPF ) Special, MediSave and Retirement accounts ( SMRA ) will remain at 4 per cent per annum in the second quarter of 2025, the CPF Board said on Wednesday ( Mar 12 ).
This is because the , SMRA pegged price remains below the surface level of 4 per share.  ,
The SMRA attention price is pegged to the 12-month regular supply of 10-year Singapore Government Securities plus 1 per cent.
The Ordinary Account ( OA ) interest rate will also remain unchanged at the floor rate of 2.5 per cent per annum.
Similarly, the concessionary interest rate for Housing and Development Board ( HDB) housing loans, which is pegged at 0.1 per cent above the OA interest rate, will remain unchanged at 2.6 per cent per annum.
EXTRA Attention
People will continue to receive more attention on their CPF benefits, as part of the administration’s efforts to boost retirement savings, said the CPF Board.
Members who are below 55 will earn an extra 1 per cent on the first S$ 60, 000 ( US$ 45, 000 ) of their combined balances. This fascination is capped at S$ 20, 000 for the OA.
Those aged 55 and above will get an extra 2 per cent attention on the first S$ 30, 000 of their combined amounts, also capped at S$ 20, 000 for the OA, and an additional 1 per cent on the next S$ 30, 000.  ,
The excess interest earned on the OA accounts will go into the person’s Special Account or Retirement Account.
People aged 55 and above who participate in the CPF LIFE program will also make the more interest on their combined Pension amounts. This includes the saving used for CPF LIFE.