CPF Interest Rates Remain Unchanged for 2026
CPF interest rates for 2026 remain the same. Members aged below 55 get an extra 1% on the first $60,000, while those aged 55 and above get an extra 2% on the first $30,000 and 1% on the next $30,000.
The Central Provident Fund (CPF) interest rates for the period from 1 July to 30 September 2026 remain unchanged. Members aged below 55 will earn an extra 1% interest on the first $60,000 of their combined CPF balances. For members aged 55 and above, an extra 2% interest is applied to the first $30,000 of their combined balances, and an extra 1% on the next $30,000.
CPF Interest Rates for Different Age Groups
Members aged below 55 will receive an additional 1% interest on the first $60,000 of their combined CPF balances. This amount is capped at $20,000 for the Ordinary Account (OA). Members aged 55 and above will get an extra 2% interest on the first $30,000 of their combined balances, and an extra 1% on the next $30,000. These rates apply to both the Ordinary Account and the Special, MediSave, and Retirement Accounts.
HDB Concessionary Interest Rate
The HDB concessionary interest rate for housing loans remains unchanged at 2.6% per annum for the same period. This rate is pegged at 0.1% above the Ordinary Account interest rate, which is also unchanged at 2.5% per annum.
Extra Interest and CPF LIFE
The extra interest earned on Ordinary Account balances will be added to the member’s Special Account or Retirement Account. If a member is aged above 55 and participates in CPF LIFE, the extra interest will still be applied to their combined CPF balances, including the savings used for CPF LIFE.
Key facts
- CPF members aged below 55 earn an extra 1% interest on the first $60,000 of their combined balances.
- CPF members aged 55 and above earn an extra 2% interest on the first $30,000 of their combined balances and an extra 1% on the next $30,000.
- The HDB concessionary interest rate remains unchanged at 2.6% per annum.
- The Ordinary Account interest rate remains at 2.5% per annum.
- Extra interest earned on Ordinary Account balances goes into the member’s Special Account or Retirement Account.
Source
CPFB
CPF Board News Releases · 30 September 2026 · This brief is a summary in our own words. Read the original for the full text.
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