KEY HIGHLIGHTS
- CPF interest rates will stay the same from January to March 2026.
- Ordinary Account remains at 2.5%, while SA, MA and RA continue at 4%.
- Basic Healthcare Sum rises to S$79,000 from 2026.
CPF interest rates will remain unchanged from 1 January to 31 March 2026, according to the CPF Board.
For most Singaporeans, this means steady returns on CPF savings — and no sudden changes to housing loan costs.
Here’s what you need to know, without the jargon.
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Current CPF Interest Rates (Jan–Mar 2026)
| CPF Account | Interest Rate (p.a.) | Notes |
|---|---|---|
| Ordinary Account (OA) | 2.5% | Floor rate remains |
| Special Account (SA) | 4.0% | Pegged rate still below floor |
| MediSave Account (MA) | 4.0% | Same as SA |
| Retirement Account (RA) | 4.0% | Same as SA |
| HDB Housing Loan | 2.6% | OA + 0.1% |
Why Rates Are Not Moving
CPF interest rates are pegged to market benchmarks.
Right now, those benchmarks are still below the legal minimum floor rates.
So CPF members continue to enjoy the guaranteed floors:
- 2.5% for OA
- 4% for SA, MA and RA
Honestly speaking, this is still very competitive compared to most bank deposits.
HDB Housing Loan Rate Also Unchanged
Good news for homeowners and buyers.
Since the HDB concessionary loan rate is pegged at 0.1 percentage point above the OA rate, it will stay at 2.6% per annum.
For most Singaporeans servicing an HDB loan, this means:
- Monthly repayments stay predictable
- No sudden spike in interest costs
No need to overthink.
Extra CPF Interest: Still In Place
The Government will continue paying extra interest on CPF balances.
If You’re Below 55
- Extra 1% on the first S$60,000
- Up to S$20,000 from OA counts
If You’re 55 and Above
- Extra 2% on the first S$30,000
- Extra 1% on the next S$30,000
- OA portion capped at S$20,000
This also applies to CPF LIFE members, based on combined CPF balances.
Small detail, big impact over time.
Basic Healthcare Sum (BHS) Set at S$79,000 for 2026
There’s one important change coming next year.
From 1 January 2026, the Basic Healthcare Sum (BHS) will be S$79,000, up from S$75,500.
How This Affects You
- Below 65 in 2026
Your BHS will rise to S$79,000. - Turning 65 in 2026
Your BHS will be fixed at S$79,000 for life. - 66 and above in 2026
No change. Your BHS was already fixed earlier.
Once your MediSave hits the BHS, any extra contributions will be automatically transferred to your other CPF accounts.
And yes — even if you’re below the BHS, you can still use MediSave for approved medical bills. No need to top up first.
What This Means for Singaporeans
Overall verdict?
- CPF savings remain stable and predictable
- HDB loan holders get cost certainty
- Healthcare savings requirement edges up, but gradually
Not exciting news — but sometimes, boring is good.
Frequently Asked Questions
Will CPF interest rates change later in 2026?
They’re reviewed quarterly. If market benchmarks rise above the floor rates, changes could happen later in the year.
Does the higher BHS mean I must top up immediately?
No. You can still use MediSave normally even if you’re below the BHS. Top-ups are not compulsory.
Is CPF still better than bank fixed deposits?
For long-term savings, yes. 4% risk-free for SA, MA and RA is still hard to beat in Singapore.
