1st Franklin Financial Investment Center and Corporate Office
Toccoa

1st Franklin Financial Investment Center and Corporate Office Toccoa

4.5 out of 5.0full starfull starfull starfull starhalf star
17 Reviews
4.5 out of 5.0full starfull starfull starfull starhalf star
17 Reviews
Open Today: 8:30 AM - 5:00 PMOpen Today: 8:30 AM - 5:00 PMOpen Today: 8:30 AM - 5:00 PMOpen Today: 8:30 AM - 5:00 PMOpen Today: 8:30 AM - 5:00 PMOpen Today: 8:30 AM - 12:00 PMClosed Today
135 E. Tugalo Street
Toccoa, GA 30577
US
(706) 886-7571(706) 886-7571
Toll Free:
(800) 282-0709(800) 282-0709
Serving Toccoa since 1950!

Hours:

Saturday Hours - Drive Thru Only
Day of the WeekHours
Monday8:30 AM - 5:00 PM
Tuesday8:30 AM - 5:00 PM
Wednesday8:30 AM - 5:00 PM
Thursday8:30 AM - 5:00 PM
Friday8:30 AM - 5:00 PM
Saturday8:30 AM - 12:00 PM
SundayClosed
Frequently Asked Questions
Is 1st Franklin Financial Corporation a bank?
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We are not a bank. We are a privately—held corporation that has been engaged in the consumer finance industry since 1941. We fund our loans through a combination of the issuance of short and longer-term debt securities, such as Senior Demand Notes, Variable Rate Subordinated Debentures, Commercial Paper, as well as with borrowings from time to time under our revolving credit facility.
Are 1st Franklin Investments insured?
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Our Investments are not bank deposits and are not insured by the Federal Deposit Insurance Corporation (FDIC) or Securities Investor Protection Corporation (SIPC) or any other Federal or State Agency. Investors must rely solely on the Company’s ability to pay principal and interest on its Investments.
Is 1st Franklin licensed to sell Investments in all states?
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We are licensed to sell Variable Rate Subordinated Debentures to residents of Georgia and South Carolina. Senior Demand Notes may be sold to residents of Georgia, only. Commercial Paper may be sold to residents of any state, except California.
How do I make an Investment?
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Simply call us at 706-886-7571 or 800-282-0709, and one of our Investment Center representatives will provide the information you need to start the Investment process. Sales of certain Investments are sold only by Prospectus and are strictly regulated. Therefore, Investment may not be purchased online, and you must speak with one of our representatives.
I have a local 1st Franklin office in my area. May I visit with them to open an Investment?
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Our branch offices are unable to open or discuss Investments with you. They will refer you to the Investment Center, located only in Toccoa, GA. Please call the Investment Center at 706-886-7571 or 800-282-0709 to ask additional questions or begin the opening process.

Recent Reviews

4.5 out of 5.0full starfull starfull starfull starhalf star
1 Star
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Leave a Review
5 out of 5full starfull starfull starfull starfull star
Jan 3, 2023
I always receive great service with 1st Franklin
Brandon C
5 out of 5full starfull starfull starfull starfull star
Jan 1, 2023
It is so nice to have a personal banker. Russell helps us with renewals, and delivers them to 1st Franklin for us. All the employees at 1st are super helpful!
James C
5 out of 5full starfull starfull starfull starfull star
Jan 1, 2023
I would especially like to thank Shannon tor making sure that my IRA money was probably transferred to The Pointe Church for my 2022 tax information. We have many offers for investing our savings, but we have confidence in 1st Franklin and the employees who handle our investments . Everyone is always so kind and helpful. Thank you 1st Franklin.
Ellen C
5 out of 5full starfull starfull starfull starfull star
Jan 1, 2023
Amazing service! Russell has helped me many times with deposits and withdrawals and makes them extremely easy and painless. I would recommend him and this branch to anyone.
Devin C.
1 out of 5full starempty starempty starempty starempty star
Dec 29, 2022
Zero stars but made me choose one to proceed!! I’ve been dealing with 1st Franklin Financial in Arab, Alabama on and off for over 10 years. They have always been wonderful and pleasant people to deal with until “Robert” came on board. He is rude and disrespectful. He talks down to people and has absolutely NO manners. After so many years it saddens me to have to take my business and all future business elsewhere but that is where Robert and I are. Sayonara Robert!!
Tanya T
Hello, Tanya. We see that you meant to leave a review for our Arab office and not our Investment Center. We will make sure to share your review with the Branch Manager and Regional Director over the Arab office and have them contact you to discuss your experience.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Dec 25, 2022
I have been investing with FFIC for over 15 years and I have ALWAYS received excellent customer service. I always am treated with respect. Their rates can not be beat anywhere. Thank you for being a place I can feel confident investing my money.
MargaretC
1 out of 5full starempty starempty starempty starempty star
Jul 19, 2022
Horrible customer service in cordele ga!!! My credit score is 689 and was called and told it was 346 and was treated like garbage and lied to and told I had old loans with this company. I have 2 open loans with local companies and 4 credit cards paid off and a new car. Then she threatened to put the fraudulent accounts on my credit. I will be filing a report in one hour and contacting my attorney to further escalate this matter. Unprofessional and PREDJUICE!!! I have 9 people writing statements now pertaining to how she treats people of color and she charges her friend's accounts off under other people and we have proof!!! This stops today!! This company should be ashamed!! When I called home office I was pushed off on someone who had no idea what to in this matter. But I do!
Jeremy
Hello, Jeremy. We understand that this review is for our Cordele loan office and not our Investment Center. If you would like to speak to someone from our Corporate office about your experience with your local loan office, please contact our Quality Assurance Department at 1-800-700-7943.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Feb 24, 2022
Fine service; very responsive to all questions.
Mitchell S
5 out of 5full starfull starfull starfull starfull star
Dec 27, 2021
Customer service is excellent. They are always helpful and willing to assist.
Tammy W.
Hello, Tammy! Thank you for taking the time out of your busy schedule to review our Investment Center.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Dec 24, 2021
Wonderful people and always very helpful!
Paul P
We are delighted to have had the opportunity to serve you, Paul.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Feb 20, 2020
Great Experience every time! Great Company! The investment center offers a highly dedicated staff of professionals. Each is kind, helpful and knowledgeable about products and services offered.
Jon W.
We recognize our customers are busy and are beyond thankful for their willingness to spend time giving us feedback. We will be sharing your review with the team to encourage them to continue to strive for excellence in customer service.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 12, 2019
Excellent service and great rates!
Mandi A.
We appreciate that you took the time to review our Investment Center, Mandi!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 6, 2019
Everyone is always friendly and helpful!
Sabrena C.
Thank you for your kind review of our Investment Center staff!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 6, 2019
A friendly group of people and always very helpful.
Mandy A.
Thank you for your kind words, Mandy!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 6, 2019
Great place to earn interest on my savings. Great customer service, too!!
Mackenzie R.
We are delighted to have had the opportunity to serve you, Ms. Mackenzie.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 5, 2019
Great experience. Friendly service. Very happy to have my money at 1st Franklin Investment Center.
Mary R.
Thank you for taking the time to leave a review for our Investment Center!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 5, 2019
I have had an account with 1st Franklin’s Investment Center for years. They treat you like family.
Megan C.
Thank you for your review, Megan!
Response from 1st Franklin Financial