Weekly Rates - 1st Franklin Financial

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Weekly Rates

Weekly Rates

1st Franklin offers investment options to the public in the form of Senior Demand Notes, Variable Rate Subordinated Debentures, and Commercial Paper. The interest rate listing tables compare the rate of return of the different investment options. The Senior Demand Notes and Variable Rate Subordinated Debentures are registered with the Securities and Exchange Commission and with state securities departments in the state(s) where offered.

Senior Demand Notes

Current rates for the week of November 13, 2025 through November 19, 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

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

Variable Rate Subordinated Debentures

Current rates for the week of November 13, 2025 through November 19, 2025:

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	4.60	4.50	$500
1 Year	5.13	5.00	$500
2 Years	5.13	5.00	$500
4 Years	4.60	4.50	$500

(a) At the end of this period, the interest rate will be adjusted. Debentures mature four years from their date of issue, subject to earlier redemption as provided for therein. Redemption at any other time other than during the grace period is at the discretion of the Company and is subject to an interest penalty. Absent redemption by the holder at maturity, the term of the Debenture will be extended for one four-year period, subject to the same redemption rights.

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

(c) Interest is earned daily and will be paid promptly upon a holder’s request. Otherwise, principal and interest are payable at maturity.

Commercial Paper

Current rates for the week of November 13, 2025 through November 19, 2025:

Term	Interest Rate
30-59 Days	3.50
60-89 Days	4.00
90-179 Days	4.50
180-260 Days	5.50

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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	4.60	4.50	$500
1 Year	5.13	5.00	$500
2 Years	5.13	5.00	$500
4 Years	4.60	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	3.50
60-89 Days	4.00
90-179 Days	4.50
180-260 Days	5.50

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.