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 Southern Energy Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 19, 2026
Southern Energy Credit Union's CDs of Deposit (CDs) - 13 month rates are at 4.00%, CDs of Deposit (CDs) - 366 Days rates are at 4.00%, CDs of Deposit (CDs) - 18 month rates are at 3.95%, CDs of Deposit (CDs) - 182 Days rates are at 3.85%, CDs of Deposit (CDs) - 24 month rates are at 3.85%. Southern Energy Credit Union's money market rates are at 3.25%. Southern Energy Credit Union's checking rates are as high as 0.25%. Southern Energy Credit Union's Auto Loan Rates are as low as 4.60%. MonitorBankRates evaluates the financial stability of Southern Energy Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.41%. Rates last updated and verified on 10/19/2026. Southern Energy Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Southern Energy Credit Union? Share your experience about Southern Energy Credit Union by leaving a review below, or read customer reviews before you decide to use Southern Energy Credit Union. Southern Energy Credit Union
Main Office 750 17th St N
https://www.southernenergycu.org/ Birmingham, AL 35203  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Southern Energy Credit Union CD Rates
Southern Energy Credit Union Savings Rates
Southern Energy Credit Union Money Market Rates
Southern Energy Credit Union Checking Rates
Southern Energy Credit Union Auto Loan Rates
Financial Health HistorySouthern Energy Credit Union’s Texas Ratio stayed near 0.30% in Q3 2023 to 0.41% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Southern Energy Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Southern Energy Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Southern Energy Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Southern Energy Credit Union
Address
750 17th St N,
Birmingham, AL 35203
Phone
205-226-6800
Fax
205-226-6850
President
Gregg Shipp
CEO
Andy Rush
Full-Time Employees
168
Part-Time Employees
16
Branch Locations
28
ATM Locations
17
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.41%
Return on Assets (ROA)
0.2313%
Return on Equity (ROE)
1.5858%
Non-Performing Loans Ratio (NPL)
0.23%
Total Assets
3,598,084,924
Total Amount of Shares and Deposits
3,208,937,984
Total Shares and Deposits < 1 Year
2,965,660,009
Total Shares and Deposits 1 3 Years
211,504,810
Total Shares and Deposits > 3 Years
31,773,165
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
670,348,634
Total Uninsured Shares and Deposits > $250K (F+J)
670,348,634
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,538,589,350
Total Interest Expense (Sum of items 6 8)
34,065,739
Share Certificates
20,907
Number of Accounts for Share Drafts
49,671
IRA KEOGH Accounts
7,720
Number of Accounts for Regular Shares
103,166
Money Market Shares
776
Net Income (unless the amount is already included in Undivided Earnings)
8,323,350
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
391,243,790
Total Liabilities
3,237,538,723
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Southern Energy Credit UnionDoes Southern Energy Credit Union offer CDs?Yes. Southern Energy Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from Southern Energy Credit Union NCUA insured?Yes. Southern Energy Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Southern Energy Credit Union?The highest CD rate MonitorBankRates has verified for Southern Energy Credit Union is 4.00% APY on its CDs of Deposit (CDs) - 13 month, as of October 19, 2026. What CD terms does Southern Energy Credit Union offer?The Southern Energy Credit Union CD terms we track include 12 month, 13 month, 18 month, 2 year and 5 year terms, with rates from 3.85% to 4.00% APY. The institution may offer other terms or specials that are not listed here, so check with Southern Energy Credit Union for its full lineup. What is the highest money market rate at Southern Energy Credit Union?The highest money market rate MonitorBankRates has verified for Southern Energy Credit Union is 3.25% APY on its Money Market Account, as of October 19, 2026. What is the highest checking rate at Southern Energy Credit Union?The highest checking rate MonitorBankRates has verified for Southern Energy Credit Union is 0.25% APY on its Checking Account, as of October 19, 2026. What is the lowest auto loan rate at Southern Energy Credit Union?The lowest auto loan rate MonitorBankRates has verified for Southern Energy Credit Union is 4.60% APR on its New Auto, as of October 19, 2026. How many branches does Southern Energy Credit Union operate?Southern Energy Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Southern Energy Credit Union?Yes, to access services at Southern Energy Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Southern Energy Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Southern Energy Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Southern Energy Credit Union offer online and mobile banking?Most modern institutions like Southern Energy Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.southernenergycu.org/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Southern Energy Credit Union rates compare?Southern Energy Credit Union's top rates are 4.00% APY on its CDs of Deposit (CDs) - 13 month, 3.25% APY on money market, 0.25% APY on checking and auto loans from 4.60% APR, verified by MonitorBankRates on October 19, 2026. To compare Southern Energy Credit Union with the top rates nationwide, see our best CD rates, best money market rates, best checking rates and best auto loan rates, updated daily from banks and credit unions across the country. Current Southern Energy Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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