FG offers investors 14.4% and 15.4% rates in January 2026 Savings Bond

The Debt Management Office (DMO) on behalf of the Federal Government of Nigeria has offered 14.4% and 15.39% per annum interest rates to investors as it opened subscriptions for Savings Bonds. Details of the offer were released by the DMO as part of its January 2026 FGN Savings Bond issuance on Monday.

Under the January 2026 offer, investors can subscribe to either the 2-Year FGN Savings Bond (due January 21, 2028) at 14.396% per annum, or the 3-Year FGN Savings Bond (due January 21, 2029) at 15.396% per annum.

The subscription window opened on January 12, 2026, and will close on January 16, 2026, with settlement scheduled for January 21, 2026.

Coupon payments will be made quarterly on April 21, July 21, October 21, and January 21 of each year until maturity.

The bonds are offered at N1,000 per unit, with a minimum subscription of N5,000 and additional investments in multiples of N1,000, subject to a maximum of N50 million per investor.

FGN Savings Bonds are backed by the full faith and credit of the Federal Government of Nigeria, making them one of the safest fixed-income instruments available in the domestic market.