OA2.5
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CPF Interest Rates
https://www.cpf.gov.sg/Members/AboutUs/about-us-info/cpf-interest-rates
-A A +AInterest Rates
INTEREST EARNED BY MEMBERS
CPF Interest Rates (01 July 2016 to 30 September 2016)
(reviewed quarterly)
Ordinary Account
Up to 3.50% p.a.
Special & Medisave Accounts
Up to 5.00% p.a.
CPF Interest Rate (01 January 2016 to 31 December 2016)
(reviewed yearly)
Retirement Account
Up to 5.00% p.a.
Central Provident Fund (CPF) members currently earn interest rates of up to 3.5% per annum on their Ordinary Account (OA) monies, and up to 5% per annum on their Special and Medisave Account (SMA) monies. Retirement Account (RA) monies currently earn up to 5% per annum.
The above interest rates include an extra 1% interest paid on the first $60,000 of a member’s combined balances (with up to $20,000 from the OA).
CPF members aged 55 and above will also earn an additional 1% extra interest on the first $30,000 of their combined balances (with up to $20,000 from the OA). As a result, CPF members aged 55 and above will earn up to 6% interest per year on their retirement balances.
This is part of the Government’s efforts to enhance the retirement savings of CPF members.
Interest Rate for Ordinary Account
The interest rate on Ordinary Account (OA) monies is reviewed quarterly. OA monies earn either the legislated minimum interest of 2.5% per annum, or the 3-month average of major local banks' interest rates, whichever is higher.
The OA interest rate will be maintained at 2.5% per annum from 1 July 2016 to 30 September 2016, as the computed rate of 0.24% is lower than the legislated minimum interest rate.
Interest Rate for Special and Medisave Account
The interest rate on Special and Medisave Account (SMA) monies is reviewed quarterly. In view of the continuing low interest rate environment, the Government has decided to further extend the 4% floor rate for interest earned on all SMA monies for another year until 31 December 2016. SMA monies earn either the current floor interest rate of 4% per annum or the 12-month average yield of 10-year Singapore Government Securities (10YSGS) plus 1%, whichever is higher.
The SMA interest rate will be maintained at 4% per annum from 1 July 2016 to 30 September 2016, as the computed rate of 3.43% is lower than the current floor interest rate.
Interest Rate for Retirement Account
The interest rate on Retirement Account (RA) monies is reviewed annually. In view of the continuing low interest rate environment, the Government has decided to further extend the 4% floor rate for interest earned on the RA for another year until 31 December 2016. RA monies credited each year will be invested in newly-issued Special Singapore Government Securities (SSGS) which will earn a fixed coupon rate equal to either the 12-month average yield of the 10YSGS plus 1% computed for the year, or the current floor rate of 4% per annum, whichever is higher. The interest rate earned by RA monies is the weighted average interest rate of the entire portfolio of these SSGS, which is adjusted in January each year to take into account the coupon rates payable by the new SSGS issuance.
The average yield of the 10YSGS plus 1% from November 2014 to October 2015 is 3.39% per annum. As this is below the current floor rate of 4% per annum, new SSGS issued in the year of 2016 will pay a fixed coupon of 4%.
Consequently, the RA interest rate from 1 January 2016 to 31 December 2016 will be maintained at 4% per annum.
Extra Interest
An extra 1% interest per annum is currently paid on the first $60,000 of a member’s combined balances (with up to $20,000 from OA).
CPF members aged 55 and above will also earn an additional 1% extra interest on the first $30,000 of their combined balances (with up to $20,000 from the OA) from January 2016. This is paid over and above the current extra 1% interest that is earned on the first $60,000 of their combined balances.
The extra interest received on monies in the OA will go into the member’s SA or RA to enhance his retirement savings. If a member is above 55 years old and participates in the CPF LIFE scheme, the extra interest will still be earned on his combined balances, which includes the savings used for CPF LIFE.
Click here for more details on the extra interest.
Details on how CPF interest rates are computed can be found in News Releases.
How are CPF monies invested?
CPF monies are invested in Special Singapore Government Securities (SSGS) which are guaranteed by the Government. This assures that CPF savings are safe, regardless of financial market conditions. The coupon rates which these SSGS earn for the CPF Board match the interest rates that CPF members receive. SSGS are non-tradable bonds issued specifically to CPF Board for the investment of CPF monies.
ArchiveCPF Interest Rates 1955 - 2016 (0.05MB)
借贴问如何变
CPF还款为银行卡还款？要怎么做呀？
CPF OA 利息 2.5%，其中首 20K 有额外 1% 也就是 3.5%
楼主想法是可行的，假如你现金足够还贷款并且没有比 OA 更好的收益。
几年前我曾经写过一个帖子讨论 cash 代替 OA 还贷的选择，可以供参考。
http://bbs.huasing.net/sForum/bbs.php?B=172_12411942
可以去 CPF 局柜台办理。
如果只有周六有空，可以 online 预约一下，通常周六人太多，CPF 只接受 e appointment visit。
也可以打给他们，说明目的，看看网上是否就可以操作（我当时去的柜台）。
谢谢！
非常感谢
网上
CPF有个表格，可以填写你每月用的数目，或完全停用。填好，submit,下月或指定日期生效。
谢谢
非常详细