Interest Rate Listings

1st Franklin offers investment options to the public in the form of Senior Demand Notes, Variable Rate Subordinated Debentures, and Commercial Paper.  The interest rate listing tables compare the rate of return of the different investment options. The Senior Demand Notes and Variable Rate Subordinated Debentures are registered with the Securities and Exchange Commission and with state securities departments in the state(s) where offered.

Senior Demand Note*Senior Demand Note*

Our Senior Demand Note offerings are available at a minimum investment of $25.
Current rates for the week of September 29, 2016 through October 5, 2016

Daily Balance $1 –
2,499
$2,500 –
9,999
$10,000 –
49,999
$50,000 –
99,999
$100,000 &
over
Effective Yield(a) 1.26 1.26 1.51 1.51 1.51
Interest Rate 1.25 1.25 1.50 1.50 1.50

Variable Rate Subordinated Debenture*Variable Rate Subordinated Debenture*

Our Variable Rate Subordinated Debentures offerings are available at a minimum investment of $500.
Current rates for the week of September 29, 2016 through October 5, 2016

Interest Adjustment Period (a) Effective Yield (b) Interest Rate (c) Minimum Investment Amount
1 Month 1.51 1.50 $500
3 Months 1.51 1.50 $500
6 Months 2.02 2.00 $500
1 Year 2.28 2.25 $500
2 Years 2.79 2.75 $500
4 Years 3.05 3.00 $500

Commercial PaperCommercial Paper

Our Commercial Paper offerings are available at a minimum investment of $50,000.
Current rates for the week of September 29, 2016 through October 5, 2016

Term Interest Rate(Simple)
30-59 days 1.50
60-89 days 1.50
90-179 days 2.00
180-260 days 3.00
1st Franklin Financial Investment Center
P: (706) 886-7571 or (800)-282-0709
Hours of Operation:
Monday-Friday: 8:30am-5:00pm
Saturday: 8:30am-12:00pm (Drive-thru Only)