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Put money in. 

Know what you’ll get out.

1st Franklin investments are “set it and forget it”, meaning once we lock in a rate, that’s the rate you receive at the end of your term. No ifs, ands or buts about it. Whether this is your first time investing or you’re looking to diversify your portfolio, we have options for you.

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Think high(er) yield savings.

When it comes to investing, every point matters. 1st Franklin’s high-yield commercial paper can earn you up to 3 times more interest than the national average when compared to a CD.

  • $50,000 minimum investment 
  • Investment maturities ranging from 30 to 260 days 
  • Interest payout available upon request monthly, quarterly or at maturity
  • Annual yield is not subject to market fluctuation
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Like what you see?

Level up your portfolio by exploring ours further.

Great rates. Your terms.

Our Variable Rate Subordinated Debenture product* makes it easy to build savings at a speed that works for you.
  • $500 minimum investment 
  • Interest compounds daily
  • Choose your term and lock in your rate for up to to 4 years
  • Interest payout available upon request, monthly, quarterly, semi-annually or annually

*Available to Georgia and South Carolina residents only.

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Start here. Finish ahead.

A flexible savings option with low minimum investment requirements, our Senior Demand Note* offers quick-turn, high-return benefits for new and experienced wealth builders.

  • $25 minimum investment 
  • Money available anytime, without penalty 
  • Unlimited draft writing with daily balance of $500 or more
  • Interest compounds daily

*Available to Georgia residents only.

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We also offer competitive fixed rates on IRAs so you can invest with peace of mind. Learn more

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Grow your wealth.

It’s never been easier to plan for the future. Plug in your target investment to see how your money can grow.
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Build your future on trust.

1st Franklin Financial was established in 1941 on the same values that define our business today. A family-owned and operated investment center, we treat every investment as we would our own and all customers with kindness and integrity.

Hundreds of our investors have built their wealth for generations. In over 75 years, we’ve never failed to pay out on an investment.

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Kind words from our investors.

I was so very comfortable with the customer service at the Investment Center. They are very knowledgeable and helpful in every way. I had no issues or problems. I recommend them to everyone. Please stop by.

Sheena Boatright
04/02/24

You are professional, courteous, and polite. This company is professional in helping you with your needs. 

Nelly Stanley

03/26/2024

Everyone at 1st Franklin Financial was very nice and respectful. I would recommend them to anyone.

Kenneth Wolford

01/23/2024

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Get in touch.

The hardest part of any journey is taking the first step. From purchasing your investment to payout, our knowledgeable team is here to help.

 

All offers of our securities are made only by our Prospectus, are not insured by the FDIC, SIPC, or any other federal or State Agency, and are not otherwise guaranteed by a depository institution.

+1 (877) 270 – 5459

1st Franklin Financial Corporation (“1FFC”) is not a bank. All offers and sales of our securities are made only by our Prospectus. 1FFC’s Investment offerings are not bank deposits or obligations, are not insured by the FDIC, SIPC, or any other Federal or State Agency, and are not otherwise guaranteed by a depository institution. Investors must rely solely on the company’s ability to pay principal and interest on its securities. 1FFC is registered by the Securities and Exchange Commission (“SEC”) in the United States of America and offers investment services and products including Commercial Paper debt securities, governed by United States Federal Law. 1FFC is authorized by the state of Georgia and South Carolina for other products only available in those states. 1FFC is not registered in any other jurisdiction and does not do business in California. Past performance is not indicative of future results.

Senior Demand Note

Current rates for the week of 

[monday_range]
Daily Balance$1 - $9,999$10,000 to $49,000$50,000 to $99,000$100,000 and over
Effective Yield (a)1.511.772.022.02
Interest Rate1.501.752.002.00

1st Franklin Financial Corporation (“1FFC”) is not a bank. All offers and sales of our securities are made only by our Prospectus. 1FFC’s Investment offerings are not bank deposits or obligations, are not insured by the FDIC, SIPC, or any other Federal or State Agency, and are not otherwise guaranteed by a depository institution. Investors must rely solely on the company’s ability to pay principal and interest on its securities. 1FFC is registered by the Securities and Exchange Commission (“SEC”) in the United States of America and offers investment services and products including Commercial Paper debt securities, governed by United States Federal Law. 1FFC is licensed by the state of Georgia and South Carolina for other products only available in those states. 1FFC is not registered in any other jurisdiction and does not do business in California.

Variable Rate Subordinated Debenture

Current rates for the week of 

[monday_range]
Interest Adjustment Periods (A)Effective Yield (b)Interest Rates (c)Minimum Investment Amount
1 Months1.771.75$500
3 Months1.771.75$500
6 Months5.135.00$500
1 Year5.665.50$500
2 Years5.665.50$500
4 Years4.614.50$500

1st Franklin Financial Corporation (“1FFC”) is not a bank. All offers and sales of our securities are made only by our Prospectus. 1FFC’s Investment offerings are not bank deposits or obligations, are not insured by the FDIC, SIPC, or any other Federal or State Agency, and are not otherwise guaranteed by a depository institution. Investors must rely solely on the company’s ability to pay principal and interest on its securities. 1FFC is registered by the Securities and Exchange Commission (“SEC”) in the United States of America and offers investment services and products including Commercial Paper debt securities, governed by United States Federal Law. 1FFC is licensed by the state of Georgia and South Carolina for other products only available in those states. 1FFC is not registered in any other jurisdiction and does not do business in California.

Commercial Paper

Current rates for the week of 

[monday_range]

*$50,000 minimum investment

TermInterest Rate
30-59 Days4.00
60-89 Days4.50
90-179 Days5.00
180-260 Days6.00

1st Franklin Financial Corporation (“1FFC”) is not a bank. All offers and sales of our securities are made only by our Prospectus. 1FFC’s Investment offerings are not bank deposits or obligations, are not insured by the FDIC, SIPC, or any other Federal or State Agency, and are not otherwise guaranteed by a depository institution. Investors must rely solely on the company’s ability to pay principal and interest on its securities. 1FFC is registered by the Securities and Exchange Commission (“SEC”) in the United States of America and offers investment services and products including Commercial Paper debt securities, governed by United States Federal Law. 1FFC is licensed by the state of Georgia and South Carolina for other products only available in those states. 1FFC is not registered in any other jurisdiction and does not do business in California.