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3.70% senior notes due 2028 from National Rural Utilities (NRUC)

(Neutral)
(Neutral)
Form Type
424B3

Rhea-AI Filing Summary

National Rural Utilities Cooperative Finance Corp is offering a new series of InterNotes senior unsecured notes under its existing shelf registration. The notes carry a fixed 3.700% coupon, priced at 100.000% of principal, with interest paid monthly and a stated maturity on February 15, 2028.

The notes are non-callable and include a survivor's option, allowing repayment upon the death of the beneficial owner, as described in the base prospectus. The first coupon payment is scheduled for March 15, 2026 with an initial coupon amount of $4.11. The minimum denomination is $1,000, in increments of $1,000, and they will be issued in DTC book-entry form through agents including InspereX LLC and major broker-dealers.

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FAQ

What type of security is National Rural Utilities Cooperative Finance Corp (NRUC) offering?

National Rural Utilities Cooperative Finance Corp is offering senior unsecured InterNotes under an existing prospectus and prospectus supplement. These are fixed-rate debt securities with specified coupon and maturity terms.

What are the key terms of the NRUC 3.700% notes due 2028?

The notes have a 3.700% fixed coupon, are priced at 100.000% of principal, pay interest monthly, and mature on February 15, 2028. The first coupon payment date is March 15, 2026 with an initial coupon amount of $4.11.

Are the NRUC 3.700% 2028 notes callable before maturity?

No. The redemption information states that these notes are non-callable, meaning the issuer does not have the option to redeem them prior to the stated maturity date, subject to any provisions described in the base prospectus.

Do the NRUC 3.700% notes include a survivor's option?

Yes. The table indicates "Yes" under Survivor's Option, meaning holders (through their estates or beneficiaries) may have the right to request repayment upon the death of the beneficial owner, as further described in the prospectus.

What is the minimum investment size for the NRUC 3.700% 2028 notes?

The minimum denomination is $1,000, with additional purchases in $1,000 increments. The notes clear through DTC book-entry only and settle via SDFS.

Who are the agents involved in the NRUC InterNotes offering?

The agents listed for this offering include InspereX LLC, Citigroup Global Markets Inc., Wells Fargo Clearing Services, LLC, and RBC Capital Markets, LLC, with U.S. Bank Trust Company, National Association serving as trustee.

How are the NRUC 3.700% notes priced and distributed?

The notes are sold to investors at the selling price specified in the pricing supplement. The purchasing agent buys from the issuer at that selling price less a 0.550% gross concession and may resell to agents and selected dealers at a reduced concession, as described in the distribution terms.


Filed under Rule 424(b)(3), Registration Statement No. 333-275151
Pricing Supplement No. 649 - Dated Monday, January 26, 2026 (To: Prospectus Dated October 24, 2023 and Prospectus Supplement Dated October 27, 2023)
CUSIP NumberPrincipal AmountSelling PriceGross Concession
Net Proceeds
Coupon TypeCoupon RateCoupon FrequencyMaturity Date1st Coupon Date1st Coupon AmountSurvivor's Option
Product Ranking
63743F4A1
[ ]
100.000%
0.550%
[ ]
Fixed3.700%Monthly02/15/202803/15/2026$4.11Yes
Senior Unsecured Notes

Redemption Information: Non-Callable

Offering Date: Monday, January 26, 2026 through Monday, February 2, 2026National Rural Utilities Cooperative Finance Corp
National Rural Utilities Cooperative Finance CorpTrade Date: Monday, February 2, 2026 @12:00 PM ET
Settle Date: Thursday, February 5, 2026Prospectus dated October 24, 2023 and
Minimum Denomination/Increments:$1,000.00/$1,000.00Prospectus Supplement Dated: October 27, 2023
Initial trades settle flat and clear SDFS: DTC Book Entry only
DTC Number: 0235 via RBC Dain Rauscher Inc.
Agents: InspereX LLC, Citigroup Global Markets Inc., Wells Fargo Clearing Services, LLC, RBC Capital Markets, LLC
Trustee: U.S. Bank Trust Company, National Association
If the maturity date or an interest payment date for any note is not a business day (as term is defined in prospectus), principal, premium, if any, and interest for that note is paid on the next business day, and no interest will accrue from, and after, the maturity date or interest payment date.
Notes will be sold to you at the selling price specified in this Pricing Supplement. The Purchasing Agent shall purchase notes from us at the selling price less the applicable gross concession specified in this Pricing Supplement. The Purchasing Agent may resell the notes it purchases to the agents and selected dealers at the selling price less a concession that, at the discretion of the Purchasing Agent, may be less than or equal to the gross concession received by the Purchasing Agent. Notes purchased by the agents and selected dealers on behalf of level-fee [investment or advisory] accounts may be sold to such accounts at the selling price less the applicable concession, and such agents and selected dealers shall not retain, as compensation, any portion of such concession.
InterNotes® is a registered trademark of InspereX Holdings LLC. All Rights Reserved.