--- title: "Southern Energy Credit Union Rates - Alabama" description: "Current auto loan, personal loan, and savings & cd rates from Southern Energy Credit Union in Alabama. Updated daily with source verification. See who can join Southern Energy Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/alabama/southern-energy" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Southern Energy Credit Union Rates - Alabama ### Auto & vehicle rates 9 offers | Product | Published | Rate | Term / condition | Status | | **48-Month New Auto Loan** auto_new_48mo | — APR | 4.500% | 48 mo · new | Standard | | **63-Month New Auto Loan** auto_new_63mo | — APR | 4.600% | 63 mo · new | Standard | | **48-Month Used Auto Loan** auto_used_48mo | — APR | 4.700% | 48 mo · used | Standard | | **63-Month Used Auto Loan** auto_used_63mo | — APR | 4.750% | 63 mo · used | Standard | | **75-Month New Auto Loan** auto_new_75mo | — APR | 5.250% | 75 mo · new | Standard | | **75-Month Used Auto Loan** auto_used_75mo | — APR | 5.750% | 75 mo · used | Standard | | **84-Month New Auto Loan** auto_new_84mo | — APR | 6.125% | 84 mo · new | Standard | | **Used Car Loans (2017 Year Model or Older)** auto_used_204mo | — APR | 7.250% | 204 mo · used | Standard | | **2017 Year Model or Older** auto_used | — APR | 7.250% | used | Standard | Southern Energy Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Closed End Signature Loan** personal_unsecured_12mo | — APR | 10.900% | 12 mo | Standard | | **Open End Signature Loan** personal_unsecured | — APR | 10.900% | — | Standard | | **Closed End Signature Loan** personal_unsecured_36mo | — APR | 11.500% | 36 mo | Standard | Southern Energy Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 25 offers | Product | Published | Rate | Term / condition | Status | | **Checking Account (Checking Account $0 - $1,999)** checking | — APY | 0.10% | — | Specialty offer | | **Checking ($2,000+)** checking | — APY | 0.25% | — | Specialty offer | | **Savings** share_savings | — APY | 0.75% | — | Standard | | **Savings Accounts (Christmas Club Account)** savings | — APY | 0.75% | — | Specialty offer | | **Money Market Account (45/60 Days)** money_market | — APY | 2.01% | — | Standard | | **IRA** ira | — APY | 2.02% | — | Standard | | **Money Market Account $10,000 - $99,999.99** money_market | — APY | 2.25% | — | Standard | | **Money Market Account $100,000 - $249,999.99** money_market | — APY | 2.75% | — | Standard | | **Money Market Account $250,000 - $499,999.99** money_market | — APY | 2.85% | — | Standard | | **Money Market Account $500,000 - $999,999.99** money_market | — APY | 3.00% | — | Standard | | **Money Market Account (37 Months (1-time step up))** money_market | — APY | 3.25% | 37 mo | Standard | | **Money Market ($1,000,000+)** money_market | — APY | 3.25% | — | Standard | | **24-Month Money Market** money_market | — APY | 3.75% | 24 mo | Standard | | **Money Market Account (91 Days)** money_market | — APY | 3.75% | — | Standard | | **30-Month Money Market** money_market | — APY | 3.80% | 30 mo | Standard | | **36-Month Money Market** money_market | — APY | 3.85% | 36 mo | Standard | | **Money Market Account (182 Days)** money_market | — APY | 3.85% | — | Standard | | **Money Market Account (366 Days)** money_market | — APY | 3.95% | — | Standard | | **18-Month Money Market** money_market | — APY | 3.95% | 18 mo | Standard | | **48-Month Money Market** money_market | — APY | 3.95% | 48 mo | Standard | | **60-Month Money Market** money_market | — APY | 4.00% | 60 mo | Standard | | **13-Month Money Market** money_market | — APY | 4.00% | 13 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 4.50% | 48 mo | Standard | | **63-Month Certificate** cd_63mo | — APY | 4.60% | 63 mo | Standard | | **75-Month Certificate** cd_75mo | — APY | 5.25% | 75 mo | Standard | Southern Energy Credit Union savings & cd rates as of November 13, 2026 Southern Energy Credit Union is a credit union in Alabama. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/alabama/southern-energy) , verified from [Southern Energy Credit Union's official website](https://www.southernenergycu.org/) Loading branch locator… ## About Southern Energy Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 90.6K Assets $3.6B Founded 1953 Locations reported 28 NCUA charter 62728 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - First-time homebuyer program Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Fireman's** Main Office · Birmingham · AL · 35203-2201 About 0.1 miles away](https://rateapi.dev/credit-unions/alabama/firemans) [**Jefferson Credit Union** Courthouse · Birmingham · AL · 35203 About 0.2 miles away](https://rateapi.dev/credit-unions/alabama/jefferson-credit-union) [**Alabama Postal** Alabama Postal Credit Union · Birmingham · AL · 35203-3836 About 0.5 miles away](https://rateapi.dev/credit-unions/alabama/alabama-postal) [**Alabama** Downtown Birmingham Post Office · Birmingham · AL · 35203-3836 About 0.5 miles away](https://rateapi.dev/credit-unions/alabama/alabama) [**Avadian** Midtown · Birmingham · AL · 35233 About 0.6 miles away](https://rateapi.dev/credit-unions/alabama/avadian) [**America's First** Main Office · Birmingham · AL · 35203-1631 About 0.7 miles away](https://rateapi.dev/credit-unions/alabama/americas-first) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Southern Energy Credit Union Membership eligibility from Southern Energy Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Southern Energy Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear, affiliated companies of the Southern Company Verified from [Southern Energy Credit Union's membership page](https://www.southernenergycu.org/becoming-a-member/) . Final membership determination is always made by the credit union. ## Membership rules for Southern Energy Credit Union Employers 12 · Family 2 14 published paths to membership, last verified August 27, 2026, quoted from Southern Energy Credit Union’s own published criteria. ### Employers 12 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Alabama Power Company “An employee or retiree of Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company.” > [source ↗](https://www.southernenergycu.org/becoming-a-member/) - Employee of Alabama Power Company - Retired employee of Alabama Power Company “An employee or retiree of Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company.” > [source ↗](https://www.southernenergycu.org/becoming-a-member/) - Retiree of Alabama Power Company - Employee of Georgia Power “An employee or retiree of Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company.” > [source ↗](https://www.southernenergycu.org/becoming-a-member/) - Employee of Georgia Power - Retired employee of Georgia Power “An employee or retiree of Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company.” > [source ↗](https://www.southernenergycu.org/becoming-a-member/) - Retiree of Georgia Power - Employee of Mississippi Power “An employee or retiree of Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company.” > [source ↗](https://www.southernenergycu.org/becoming-a-member/) - Employee of Mississippi Power - Retired employee of Mississippi Power “An employee or retiree of Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company.” > [source ↗](https://www.southernenergycu.org/becoming-a-member/) - Retiree of Mississippi Power - Employee of Southern Company Services “An employee or retiree of Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company.” > [source ↗](https://www.southernenergycu.org/becoming-a-member/) - Employee of Southern Company Services - Retired employee of Southern Company Services “An employee or retiree of Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company.” > [source ↗](https://www.southernenergycu.org/becoming-a-member/) - Retiree of Southern Company Services - Employee of Southern Nuclear “An employee or retiree of Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company.” > [source ↗](https://www.southernenergycu.org/becoming-a-member/) - Employee of Southern Nuclear - Retired employee of Southern Nuclear “An employee or retiree of Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company.” > [source ↗](https://www.southernenergycu.org/becoming-a-member/) - Retiree of Southern Nuclear - Employee of affiliated companies of the Southern Company “An employee or retiree of Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company.” > [source ↗](https://www.southernenergycu.org/becoming-a-member/) - Employee of affiliated companies of the Southern Company - Retired employee of affiliated companies of the Southern Company “An employee or retiree of Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company.” > [source ↗](https://www.southernenergycu.org/becoming-a-member/) - Retiree of affiliated companies of the Southern Company ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member blood relative, marriage relative “Family members, related by blood or marriage, to any Southern Energy Credit Union member.” > [source ↗](https://www.southernenergycu.org/becoming-a-member/) - Family member (blood relative, marriage relative) of a member - Family of a member relative “Family members, related by blood or marriage, to any Southern Energy Credit Union member.” > [source ↗](https://www.southernenergycu.org/becoming-a-member/) - Family member (relative) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Southern Energy Credit Union? Yes No ## Work at Southern Energy Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Southern Energy Credit Union ranks against Alabama peers. - See which AI assistants fetched Southern Energy Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Alabama - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=southern-energy&state=alabama&code=AL&name=Southern%20Energy%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Southern Energy Credit Union offer? Southern Energy Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Southern Energy Credit Union rates updated? RateAPI verifies Southern Energy Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Southern Energy Credit Union's rate data? Rate data is collected directly from Southern Energy Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Southern Energy Credit Union? Southern Energy Credit Union publishes its membership criteria on its own website. RateAPI tracks 14 published membership paths covering 12 employers for Southern Energy Credit Union, each quoted from Southern Energy Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Southern Energy Credit Union's rates against national credit-union benchmarks. [More Alabama credit unions](https://rateapi.dev/credit-unions/alabama) [Alabama auto loan rate leaders](https://rateapi.dev/auto-loan-rates/alabama) [Alabama personal loan leaders](https://rateapi.dev/personal-loan-rates/alabama) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.southernenergycu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Southern Energy Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Alabama credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Southern Energy Credit Union curl "https://api.rateapi.dev/credit-unions/alabama /southern-energy " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Southern Energy Credit Union locations Search, filter, and browse all 28 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/alabama/southern-energy Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp