---
title: "4% interest rate floor for Special, MediSave, Retirement accounts extended till end-2026"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/258267077.md"
description: "The Singapore Government has extended the 4% interest rate floor for Special, MediSave, and Retirement Accounts until the end of 2026. This extension aims to provide CPF members with certainty regarding their savings returns amid a declining interest rate environment. The interest rates for these accounts will remain unchanged, with the Ordinary Account rate at 2.5% per annum and the concessionary rate for HDB housing loans at 2.6% per annum, effective from October 1 to December 31."
datetime: "2025-09-22T02:24:39.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/258267077.md)
  - [en](https://longbridge.com/en/news/258267077.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/258267077.md)
---

> Supported Languages: [简体中文](https://longbridge.com/zh-CN/news/258267077.md) | [繁體中文](https://longbridge.com/zh-HK/news/258267077.md)


# 4% interest rate floor for Special, MediSave, Retirement accounts extended till end-2026

The extended 4 per cent interest rate floor will provide CPF members with certainty on the returns of their CPF savings.

SINGAPORE – The Government has extended the 4 per cent interest rate floor for interest earned on all Special, MediSave and Retirement Account (SMRA) monies for another year to end-2026.

This will continue to provide CPF members with certainty on the returns of their CPF savings amid the falling interest rate environment, the CPF Board and Housing Board said in a joint release on Sept 22.

The SMRA interest rate will remain unchanged at the floor rate of 4 per cent per annum from Oct 1 to Dec 31, as the SMRA pegged rate remains below the floor rate of 4 per cent.

The Ordinary Account (OA) interest rate will remain unchanged at the floor rate of 2.5 per cent per annum from Oct 1 to Dec 31, as the OA pegged rate remains below the floor rate of 2.5 per cent.

The concessionary interest rate for 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 from Oct 1 to Dec 31.

Source: The Straits Times © SPH Media Limited. Permission required for reproduction

Discover how to enjoy other premium articles here

## Related News & Research

- [12:30 ETLOUISIANA FISH FRY LAUNCHES NEW VIDEO SERIES WITH EMERIL LAGASSE AND TROMBONE SHORTY CELEBRATING CAJUN FLAVOR](https://longbridge.com/en/news/281652235.md)
- [Trump weighs broader cabinet shake-up as Iran war pressure grows](https://longbridge.com/en/news/281681817.md)
- [12:26 ETOdevo deepens Texas presence as WRMC joins](https://longbridge.com/en/news/281652151.md)
- [11:00 ETUncertainty and caution apparent in new tech employment data, CompTIA analysis finds](https://longbridge.com/en/news/281648041.md)
- [Omeros Turns Corner With Novo Deal, YARTEMLEA Launch](https://longbridge.com/en/news/281666535.md)