Ordinary Account $20,000 at 2.5%

$500

Special Account $40,000 at 4%

$1,600

MediSave Account $35,000 at 4%

$1,400

Extra interest on $60,000

$600

Interest in a year

$4,100 about $342 a month

Where it goes: OA $500 · SA $2,200 · MA $1,400. The $200 extra interest on your OA is paid into your SA.

$10,000 more in your OA adds $250 a year. Moving $10,000 from the OA to the SA would add $150 a year, but it cannot be moved back or used for housing.

At Oct–Dec 2026’s rates (OA 2.5%, others 4%), if the balances stay the same for 12 months. CPF works interest out monthly and credits it once a year; new contributions start earning the month after they arrive. Not advice.