Interest rates Allocation Priority for your CPF RA, OA and SA

For all CPF members, extra 1% interest is earned on the first $60,000 of your combined balances across RA (if applicable), OA, SA and MA.

If you are aged 55 and above, an additional 1% extra interest is earned on the first $30,000 of your combined balances across RA, OA, SA and MA.

The order of priority for interest earned is as follows depending on whether you are Age < 55 or >= 55:

Age < 55

AccountInterest rateRemarks
Ordinary Account (OA)2.5% – 3.5%Capped at $20,000
Special Account (SA)4% – 5%
MediSave Account (MA)4% – 5%

Scenario 1 (OA + MA + SA =< $60,000. OA < $20,000)

Member has OA: $10,000 SA: $20,000 MA, MA: $30,000

AccountAmountAmount and Interest rate
OA$10,000$10,000 (3.5%)
SA$20,000 $20,000 (5%)
MA$30,000 $30,000 (5%)
Total$60,000

Scenario 2 (OA + MA + SA > $60,000. OA > $20,000)

Member has OA: $30,000 SA: $20,000 MA, MA: $50,000

AccountAmountAmount and Interest rate
OA$30,000 $20,000 (3.5%) (Capped at $20,000)
$10,000 (2.5%) (rest of OA does not earn extra 1%)
SA$20,000 $20,000 (5%) (OA + SA + MA forms first $60,000)
MA$50,000 $20,000 (5%) (OA + SA + MA forms first $60,000)
$30,000 (4%) (rest of MA does not earn extra 1%)
Total$100,000

Scenario 3

Member has OA: $30,000 SA: $50,000 MA, MA: $50,000

AccountAmountAmount and Interest rate
OA$30,000 $20,000 (3.5%) (Capped at $20,000)
$10,000 (2.5%) (rest of OA does not earn extra 1%)
SA$50,000 $40,000 (5%) (OA + SA forms first $60,000)
$10,000 (4%) (rest of SA does not earn extra 1%)
MA$50,000 $50,000 (4%) (rest of MA does not earn extra 1%)
Total$130,000

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Age >= 55

AccountInterest rateRemarks
Retirement Account (RA)4% – 6%Inclusive of CPF LIFE premium
Ordinary Account (OA)2.5% – 3.5%Capped at $20,000
Special Account (SA)4% – 5%
MediSave Account (MA)4% – 5%

Scenario 1

Member has RA: $20,000 OA: $30,000 SA: $50,000 MA, MA: $50,000

AccountAmountAmount and Interest rate
RA$20,000$20,000 (6%) (Extra 1% on first $60,0000 + additional extra 1% on first $30,000)
OA$30,000 $20,000 (3.5%) (Capped at $20,000)
$10,000 (2.5%) (rest of OA does not earn extra 1%)
SA$50,000 $20,000 (5%) (RA + OA + SA forms first $60,000)
$30,000 (4%) (rest of SA does not earn extra 1%)
MA$50,000 $50,000 (4%) (rest of MA does not earn extra 1%)
Total$150,000

Scenario 2

Member has RA: $50,000 OA: $30,000 SA: $50,000 MA, MA: $50,000

AccountAmountAmount and Interest rate
RA$50,000$30,000 (6%) (Extra 1% on first $60,0000 + additional extra 1% on first $30,000)
$20,000 (5%) (Extra 1% on first $60,0000 + additional extra 1% on first $30,00)
OA$30,000 $10,000 (3.5%) (RA + OA forms first $60,000)
$20,000 (2.5%) (rest of OA does not earn extra 1%)
SA$50,000 $50,000 (4%) (rest of SA does not earn extra 1%)
MA$50,000 $50,000 (4%) (rest of MA does not earn extra 1%)
Total$180,000

Scenario 3

Member has RA: $80,000 OA: $30,000 SA: $50,000 MA, MA: $50,000

AccountAmountAmount and Interest rate
RA$80,000 $30,000 (6%) (Extra 1% on first $60,0000 + additional extra 1% on first $30,000)
$30,000 (5%) (Extra 1% on first $60,000)
$20,000 (4%) (rest of RA does not earn extra 1%)
OA$30,000 $30,000 (2.5%) (rest of OA does not earn extra 1%)
SA$50,000 $50,000 (4%) (rest of SA does not earn extra 1%)
MA$50,000 $50,000 (4%) (rest of MA does not earn extra 1%)
Total$210,000

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