CPF Monthly Interest 2025 – How Much You’ll Earn This Year

In 2025, CPF members continue to benefit from competitive interest rates across their Ordinary Account (OA), Special Account (SA), MediSave Account (MA), and Retirement Account (RA). These interest earnings play a crucial role in building retirement savings, covering healthcare expenses, and supporting housing goals. Knowing how much you will earn monthly can help you plan your finances better and maximize your CPF benefits.

The government maintains a stable floor rate for CPF accounts to protect members even during low market interest rate environments. With consistent contributions and smart savings strategies, CPF members can enjoy steady growth on their balances throughout 2025.

CPF Interest Rates for 1 April – 30 June 2025

The official CPF interest rates for the second quarter of 2025 are:

• Ordinary Account (OA): 2.5% per annum

• Special Account (SA): 4.0% per annum

• MediSave Account (MA): 4.0% per annum

• Retirement Account (RA): 4.0% per annum

These rates ensure that members continue earning attractive returns on their CPF savings, especially compared to conventional bank savings accounts. CPF members also benefit from extra interest on their balances to boost long-term retirement adequacy.

How Extra Interest Works in 2025

CPF members receive additional interest to enhance their savings:

• Members below 55 years old receive an extra 1% interest on the first $60,000 of their combined CPF balances, capped at $20,000 for the OA.

• Members aged 55 and above receive an extra 2% interest on the first $30,000 and an additional 1% on the next $30,000 of combined CPF balances.

This means that older CPF members can potentially earn up to 6% interest on part of their savings, helping them enjoy greater financial security during retirement.

Monthly CPF Interest Calculation Example

Here’s a simple illustration of how much monthly interest you could earn:

This table assumes that balances remain unchanged throughout the month and no additional contributions or withdrawals are made.

Tips to Maximize Your CPF Interest Earnings

If you want to make the most of CPF savings in 2025, consider these strategies:

• Transfer funds from your OA to SA for higher returns if you don’t plan to use the OA for housing.

• Make voluntary contributions to CPF to earn more interest and enjoy tax relief benefits.

• Track your CPF balances regularly to understand how extra interest is being credited.

• Plan ahead for the Retirement Sum Scheme and CPF LIFE payouts by maintaining healthy balances.

By taking proactive steps, you can significantly boost your CPF interest earnings over the long term.

FAQs

How often are CPF interest rates reviewed?

CPF interest rates are reviewed quarterly, meaning they can adjust every three months depending on market conditions, while maintaining floor rates to protect members.

Can I transfer my OA funds to SA for higher interest?

Yes, you can transfer savings from your Ordinary Account to your Special Account to enjoy higher interest rates, but transfers are irreversible.

How much extra interest can I earn if I am above 55 years old?

Members aged 55 and above can earn up to 6% interest on the first $30,000 of their CPF balances and 5% on the next $30,000.

Does CPF LIFE savings earn interest too?

Yes, even after you join CPF LIFE, your remaining CPF Retirement Account savings continue to earn interest until they are used for payouts.

How is the HDB loan interest rate affected by CPF interest?

The HDB concessionary loan interest rate is pegged at 0.1% above the prevailing OA interest rate, which currently makes it 2.6% per annum.

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