MP2 dividend rates: the latest rate and every year since 2021

The latest MP2 dividend rate is 7.12%, for the year 2025. That is the rate Pag-IBIG Fund shows on its MP2 page, which we last checked on 20 October 2026, and the rate it announced in its news on 27 February 2026. It applies to MP2 savings held during 2025. The rate for 2026 is not out yet: Pag-IBIG usually announces each year’s rate around February of the following year.

Every official rate since 2021

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Source: Pag-IBIG Fund MP2 page, checked 20 October 2026. Rates for 2019 and 2020 are not shown because Pag-IBIG’s own pages don’t give them. Some other sites quote them; the rates in this table come only from official sources.

How the rate is set

The MP2 rate is not fixed in advance. Pag-IBIG’s Circular No. 487 calls it a “flexible return rate”. The MP2 page says at least 70% of the Fund’s net income goes to dividends, so the rate depends on how much the Fund earned that year. A good year can mean a higher rate and a weak year a lower one. The rates above went up every year from 2021 to 2025, but that tells you nothing certain about the next one.

Rate, interest or dividend?

People often search for the “MP2 interest rate”. Strictly, MP2 pays a dividend: a share of what the Fund earned, decided after the year ends. Interest on a bank deposit is usually agreed before you put the money in. That is why the MP2 rate is only known a year late.

You also choose how the dividend is paid, once, when you open the account:

• Compounded: each year’s dividend is added to your savings, and the next year’s dividend is worked out on the bigger amount. This is the idea behind compound interest. Everything is paid when the five years end.
• Paid out every year: the dividend is paid to you each year and your savings stay the same size.

What a rate means in pesos

A rate is only known after its year ends, so the useful sum is a past one. At the rate Pag-IBIG declared for 2025, 7.12% (Pag-IBIG MP2 page), PHP 100,000 kept in MP2 from January to December 2025 would have earned:

Put in at the start of the year

PHP 100,000.00

Dividend for the year

PHP 7,120.00

That is our calculation, with the average-balance method the MP2 calculator page explains, because Pag-IBIG has not published its exact method. Past rates do not predict future ones.

Regular Savings dividend

Your regular monthly Pag-IBIG contributions (Regular Savings, also called Pag-IBIG I) earn their own dividend each year. Circular No. 487 says the MP2 rate is set higher than the Regular Savings rate, and the figures below show that gap. These are the Regular Savings rates on Pag-IBIG’s Regular Savings page, checked on 20 October 2026:

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Your own Regular Savings dividends show in your Virtual Pag-IBIG account.

When the next rate comes out

Pag-IBIG usually announces the MP2 rate around February, for the year before. It posts the news on pagibigfund.gov.ph and updates the rate on its MP2 page. If this page’s last-checked date is before the latest February, check Pag-IBIG’s MP2 page for a newer rate.

If you are starting out, see how to open an MP2 account. If your five years are ending, see how to withdraw MP2 savings. The basics are on our MP2 savings page, and the rest of Pag-IBIG is on our Pag-IBIG guide for OFWs.