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Phone : (706) 886-7571
Address : 135 E Tugalo St, Toccoa, GA 30577
Hours : Monday-Friday: 8:30am-5:00pm
Saturday: 8:30am-12:00pm (Drive-thru Only)

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Variable Rate | Senior Demand Note | Commercial Paper | Weekly Rates

Variable Rates Subordinated Debentures

Our Variable Rate Subordinated Debentures offerings are available at a minimum investment of $500.
Current rates for the week of August 15th, 2019 through August 21st, 2019
Interest Adjustment Period (a) Effective Yield (b) Interest Rate (c) Minimum Investment Amount
1 month 1.77 1.75 $500
3 Months 1.77 1.75 $500
6 Months 2.28 2.25 $500
1 Year 2.79 2.75 $500
2 Years 3.30 3.25 $500
4 Years 3.56 3.50 $500
Our Variable Rate Subordinated Debentures pay a specified rate of interest over a specific time period and repay the principal investment upon maturity. Variable Rate Subordinated Debentures mature four (4) years from the date of issue, and the interest rate adjusts periodically.  The interest rate offered on Subordinated Debentures depends on the interest adjustment period you select from our range of offered periods.  Interest rates adjust at each interest adjustment period.  You may redeem a Variable Rate Subordinated Debenture at any interest adjustment period without penalty.

Subordinated Debentures are popular with individuals seeking investments with competitive interest rates over a set period of time. Key features include:

  • $500 minimum investment
  • Mature four (4) years from date of issue
  • Automatically renew upon original maturity
  • Interest adjustment periods from 1 month to 4 years
  • Redemption may be made at each interest adjustment date and during a 14-day grace period, without penalty; penalty may apply if redeemed before the interest adjustment date
  • Interest is available as requested or monthly, quarterly, bi-annually, annually
  • Interest compounded daily

Our Variable Rate Subordinated Debentures are unsecured subordinated obligations and offers are made only by prospectus. Read the complete Variable Rate Subordinated Debenture Prospectus details below (GA & SC Residents Only) now or contact us with any questions.

Senior Demand Note

Our Senior Demand Note offerings are available at a minimum investment of $25.
Current rates for the week of August 15th, 2019 through August 21st, 2019
Daily Balance $1-2,499 $2,500-9,999 $10,000-49,999 $50,000-99,999 $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
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.

Commercial Paper

Our Commercial Paper offerings are available at a minimum investment of $50,000.
Current rates for the week of August 15th, 2019 through August 21st, 2019
Term Interest Rate (Simple)
30-59 days 2.00
60-89 days 2.00
90-179 days 2.50
180-260 days 3.50
1st Franklin Financial offers Commercial Paper to certain qualified individuals. Commercial Paper requires a minimum investment of $50,000 and is offered and sold with maturities of 30 to 260 days. Commercial Paper is an unsecured obligation and we encourage interested parties to request more information by contacting the 1st Franklin Financial Investment Center.
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 Prospecus. 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 invesment securities.