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Senior Demand Notes

Senior Demand Notes | Variable Rate Subordinated Debentures | Commercial Paper | Weekly Rates

Flexible Investment Opportunity

1ˢᵗ Franklin Financial Senior Demand Notes are a flexible investment opportunity with a low minimum investment. Senior Demand Notes offer unlimited purchases or redemptions.

Senior Demand Notes are popular with individuals seeking short-term investments with competitive interest rates.

Key Features
  • Money available anytime, without penalty
  • Optional check writing privilege
  • $25 minimum investment
  • $500 maintained balance (in Senior Demand Notes or other securities) for Senior Demand Notes with Check Writing
  • Unlimited purchases and redemptions
  • Interest compounded daily

Our Senior Demand Notes are unsecured obligations and offers are made only by prospectus. Read the complete Senior Note Prospectus (GA Residents Only) now or contact us with any questions.

Senior Demand Note Prospectus

SDN Prospectus Supplement, as of March 1, 2021

SDN Prospectus Supplement, as of March 30, 2021

SDN Prospectus Supplement, as of May 14, 2021

SDN Prospectus Supplement, as of August 13, 2021

SDN Supplement (Updated Weekly)

Our Senior Demand Note offerings are available at a minimum investment of $25.

Current rates for the week of September 16, 2021 through September 22, 2021:

Daily Balance $1 to $2,499 $2,500 to $9,999 $10,000 to $49,999 $50,000 to $99,999 $100,000 & over
Effective Yield (a) 1.51 1.51 1.77 2.02 2.02
Interest Rate 1.50 1.50 1.75 2.00 2.00

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.

(a) Compounded daily based on a 365/366 day year.

Invest with Confidence

Phone : (706) 886-7571 or (800) 282-0709
Address : 135 E Tugalo St. PO Box 880, Toccoa, GA 30577
Hours : Monday – Friday: 8:30 AM – 5:00 PM
Saturday: 8:30 AM – 12:00 PM (Drive-thru Only)

Contact Us

Investment Center