RA利息也是4%啊难道不是吗？楼主可以Google

这个4%很快撑不住了不是法律规定的，不到你退休就变2%左右了。 The interest rate is computed based on the 12-month average yield of 10-year Singapore Government Securities (10YSGS) plus 1%2, subject to the current floor interest rate of 4% per annum3. The interest rate is reviewed quarterly.

2%怎么得到的～～

当然是政府网站上说的https://www.cpf.gov.sg/Members/AboutUs/about-us-info/cpf-interest-rates Interest Rate for Special and MediSave Account​ Interest rate from 1 July 2021 to 30 September 2021: 4% per annum The interest rate is computed based on the 12-month average yield of 10-year Singapore Government Securities (10YSGS) plus 1%2, subject to the current floor interest rate of 4% per annum3. The interest rate is reviewed quarterly. 2 - 2.04% for period between May 2020 to April 2021

SA最低利率的公式是max(10YSGS+1%, floor interest rate). 现在 10YSGS = 2.04% floor interest rate = 4%. 所以现在SA最低还是4%， 当然公式，floor interest rate 都可能变。

你错了https://www.mas.gov.sg/bonds-and-bills/SGS-Bond-Statistics max(12mth average10YSGS+1%, floor interest rate). 现在 12mth average10YSGS = 1.04%, +1%(政府财政补贴)才有2.04% floor interest rate = 4%.

最低4%延期到2022年12月31号。每隔一段时间都会review SA的利率。但是印象中OA的2.5%是不变的，如果是的话，SA不可能低于2.5%

OA利率最低2.5%那是公积金法规定的，改要修法。SA的利率看政府政策，随时一纸公文就可以调低的。

所以不到50岁最好别主动填SA免得政府调低利息又拿不出来，两头不到岸。