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COVID-19 Update: Find out more on how 1st Franklin Financial is supporting Customers and Investors.
Senior Demand Note

Senior Demand Note

This is a very popular savings option. It is flexible and begins with an amount as small as $25. Best of all, your money is available anytime you need it without penalty!

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Variable Rate Subordinate Debenture

Variable Rate Subordinate Debenture

Our competitive interest rates offer daily compounded interest over a set period. These options are especially popular with individuals seeking to invest and enjoy competitive interest rates.

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Commercial Paper

Commercial Paper

This option requires a minimum investment of $50,000. While it is a short-term investment, it offers significant possibilities that are very attractive.

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Interested in Investing?

This is not an offer to sell, or the solicitation of an offer to purchase these securities. Any offer or sales of Senior Demand Notes and Variable Rate Subordinated Debentures will be made only by a Prospectus. We are not a bank. Investments offered by 1st Franklin Financial Corporation are not bank deposits or obligations and are not insured by the FDIC, SIPC or any other federal or state agency. Investors must rely solely on the Company’s ability to pay principal and interest on its investment securities.

Investment Forms

Ready to get started? The forms you need to complete
your investment of choice are below.



  • (706) 886-7571 or (800) 282-0709


  • 135 E Tugalo St, Toccoa, GA 30577


  • Monday-Friday: 8:30am-5:00pm
  • Saturday: 8:30am-12:00pm (Drive-thru Only)

Grow Your Money Faster
with Our Great Investment Rates.

View Weekly Investment Rates