AnswersPublished17 sources
CPF Interest Rates for Q4 2026 and What the 2027 Extension Means
From October to December 2026, CPF Ordinary Account savings earn 2.5% a year and Special, MediSave and Retirement savings earn 4%. The HDB concessionary housing loan rate is 2.6% a year in Q4 2026.
Published byEdited with GPT-6 SolImages generated with GPT Image 2
Research answer
Key takeaways
- From October to December 2026, CPF Ordinary Account savings earn 2.5% a year and Special, MediSave and Retirement savings earn 4%.
- The HDB concessionary housing loan rate is 2.6% a year in Q4 2026. Eligible CPF members also earn extra interest on part of their combined balances.
AI Prompt
openai.comCreate a landscape editorial hero image for this Studio Global article: What CPF interest rates will apply to Special, MediSave, Retirement and Ordinary accounts in the fourth quarter of 2026 and to the Special,. Article summary: From 1 October to 31 December 2026, CPF Special, MediSave and Retirement Accounts will earn 4% a year, while Ordinary Accounts will earn 2.5%. The Government has extended the **4% minimum**, not a fixed 4% rate, for Spec. Topic tags: general, general web. Style: premium digital editorial illustration, source-backed research mood, clean composition, high detail, modern web publication hero. Use reference image context only for broad subject, composition, and topical grounding; do not copy the exact image. Avoid: logos, brand marks, copyrighted characters, real person likenesses, fake screenshots, UI text, readable text, watermarks, charts with fake numbers, click
CPF’s announced rates for 1 October to 31 December 2026 remain at 2.5% a year for Ordinary Account (OA) savings and 4% for Special, MediSave and Retirement Account savings. The Government has also extended the 4% minimum for the latter three accounts until 31 December 2027. That guarantees a floor, not an exact rate for every quarter of 2027. 3
4
13
Rates for October to December 2026
| Account or loan | Annual rate |
|---|---|
| CPF Ordinary Account | 2.5% |
| CPF Special, MediSave and Retirement Accounts | 4% |
| HDB concessionary housing loan | 2.6% |
These are the announced rates for the fourth quarter of 2026, not a forecast for 2027. 3
13
How CPF and HDB rates are determined
CPF reviews its account interest rates quarterly. The OA rate follows the three-month average interest rate of major local banks, subject to a legislated minimum of 2.5% a year. The Special, MediSave and Retirement Account rate follows the 12-month average yield of 10-year Singapore Government Securities plus one percentage point, subject to the 4% floor extended through 2027. If that benchmark rises above the floor, the applicable rate can be higher than 4%. 1
4
The HDB concessionary housing-loan rate is pegged 0.1 percentage point above the OA rate. With OA interest at 2.5%, the loan rate is 2.6% a year for October to December 2026. 13
Who receives extra CPF interest?
Members below 55 earn an additional 1% a year on the first $60,000 of their combined CPF balances. Members aged 55 and above earn an additional 2% on the first $30,000 and 1% on the next $30,000. In both cases, no more than $20,000 of OA savings counts toward the balances eligible for extra interest. 2
3
Extra interest earned on OA savings is credited to the Special Account for members below 55 and to the Retirement Account for members aged 55 and above, rather than back to the OA. CPF LIFE participants remain eligible for extra interest, including on savings used for CPF LIFE. 2
31
The distinction between a floor and a fixed rate matters for retirement planning: the extension sets a minimum return on Special, MediSave and Retirement savings if the benchmark remains low, while allowing the rate to rise if the benchmark increases. Together with extra interest on eligible balances, it provides more certainty about CPF returns amid an uncertain economic and interest-rate environment. 1
4
26
Studio Global AI
Continue your research
This page includes a source-backed answer you can continue inside Studio Global.
People also ask
What is the short answer to "CPF Interest Rates for Q4 2026 and What the 2027 Extension Means"?
From October to December 2026, CPF Ordinary Account savings earn 2.5% a year and Special, MediSave and Retirement savings earn 4%.
What are the key points to validate first?
From October to December 2026, CPF Ordinary Account savings earn 2.5% a year and Special, MediSave and Retirement savings earn 4%. The HDB concessionary housing loan rate is 2.6% a year in Q4 2026. Eligible CPF members also earn extra interest on part of their combined balances.