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Senior Demand Notes

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 include:

  • 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 Checkwriting
  • 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.

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 Note Prospectus

SDN Supplement (Updated Weekly)

SDN Prospectus Supplement (Dated May 14, 2018)

SDN Prospectus Supplement (Dated August 14, 2018)

Senior Demand Note

Our Senior Demand Note offerings are available at a minimum investment of $25.
Current rates for the week of November 8, 2018 through November 14, 2018

Daily Balance$1-2,499$2,500-9,999$10,000-49,999$50,000-99,999$100,000 & over
Effective Yield(a)1.261.261.511.771.77
Interest Rate1.251.251.501.751.75

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

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.

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)

Approval and actual loan terms depend on your ability to meet our credit criteria (including annual income, debt ratios, and credit report and history) and the availability of collateral. Annual percentage rates vary depending on your credit profile and state restrictions. For example, a customer with a good credit history and minimum gross income requirements may qualify for a loan with an APR of 21.99%. Maximum APR’s vary by state. 1st Franklin Financial Corporation, NMLS #141654, Georgia Residential Mortgage Licensee #5656. Active duty military, their spouse or dependents covered by the Military Lending Act (“MLA”) may not pledge a vehicle as collateral.