+1 (877) 270 – 5459

Senior Demand Notes

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.

Current rates for the week of June 26th, 2025 through July 2nd, 2025:

Daily Balance	$1 - $9,999	$10,000 to $49,000	$50,000 to $99,000	$100,000 and over
Effective Yield (a)	1.51	1.77	2.02	2.02
Interest Rate	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.

+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)	1.51	1.77	2.02	2.02
Interest Rate	1.50	1.75	2.00	2.00

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 Months	1.77	1.75	$500
3 Months	1.77	1.75	$500
6 Months	5.13	5.00	$500
1 Year	5.66	5.50	$500
2 Years	5.66	5.50	$500
4 Years	4.61	4.50	$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

Term	Interest Rate
30-59 Days	4.00
60-89 Days	4.50
90-179 Days	5.00
180-260 Days	6.00

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.