What are the current interest rates at Southern Energy Credit Union?

Current rates for Southern Energy Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 3.95%, 24-Month CD: 3.85%, 60-Month CD: 3.75%, MMA: 2.02%

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Southern Energy Credit Union

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Southern Energy Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 3, 2026

Southern Energy Credit Union's 13 Month CD rates are at 4.00%, 18 Month CD rates are at 3.95%, 24 Month CD rates are at 3.85%, 36 Month CD rates are at 3.75%, 48 Month CD rates are at 3.75%. Southern Energy Credit Union's money market rates are at 2.02%. Southern Energy Credit Union's Personal Loan Rates are at 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 0.38%. Rates last updated and verified on 09/03/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.38%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Southern Energy Credit Union
Main Office

750 17th St N
Birmingham, AL 35203

https://www.southernenergycu.org/

Southern Energy Credit Union CD Rates

Product	Rate	APY	Term
13 Month Certificate	-	4.00%	13 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
18 Month Certificate	-	3.95%	18 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
24 Month Certificate	-	3.85%	24 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
36 Month Certificate	-	3.75%	36 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
48 Month Certificate	-	3.75%	48 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
60 Month Certificate	-	3.75%	60 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
30 Month Certificate	-	3.50%	30 Months
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
37 month (1-time step up)	-	3.25%	37 Months (1-time step up)
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%

Southern Energy Credit Union Savings Rates

Product	Rate	APY	View More
Christmas Club Account	-	0.75%
No additional details. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%

Southern Energy Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	-	3.04%
Min Balance $1,000,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Money Market Account	-	2.53%
Min Balance $100,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Money Market Account	-	2.02%
Min Balance $10,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%

Southern Energy Credit Union Checking Rates

Product	Rate	APY
Checking Account	-	0.25%
Min Balance $2,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%
Checking Account	-	0.10%
Min Balance $0 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%

Southern Energy Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
NEW AUTO	-	-	4.60%	63 MONTHS
Details All rates are subject to change without notice. Your actual rate, payment, and costs could be higher. APR (Annual Percentage Rate). A lower credit score may cause a higher loan rate. Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value. Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.38%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Southern Energy Credit Union’s Texas Ratio stayed near 0.29% in Q2 2023 to 0.38% in Q1 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; the amber line marks the 15% level a credit union must stay under to qualify 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 Grade15% Verified Healthy threshold

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$3.6B	0.38%	5.0	A+
December 31, 2025	$3.6B	0.51%	5.0	A+
September 30, 2025	$3.6B	0.45%	5.0	A+
June 30, 2025	$3.6B	0.45%	5.0	A+
March 31, 2025	$3.6B	0.46%	5.0	A+
December 31, 2024	$3.5B	0.43%	5.0	A+
September 30, 2024	$3.5B	0.42%	5.0	A+
June 30, 2024	$3.5B	0.40%	5.0	A+
March 31, 2024	$3.5B	0.31%	5.0	A+
December 31, 2023	$3.5B	0.34%	5.0	A+
September 30, 2023	$3.5B	0.30%	5.0	A+
June 30, 2023	$3.5B	0.29%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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

Website https://www.southernenergycu.org/

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 164

Part-Time Employees 12

Branch Locations 28

ATM Locations 17

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.38%

Return on Assets (ROA)

0.1158%

Return on Equity (ROE)

0.8086%

Non-Performing Loans Ratio (NPL)

0.21%

Total Assets

3,642,003,564

Total Amount of Shares and Deposits

3,261,759,668

Total Shares and Deposits < 1 Year

3,026,106,761

Total Shares and Deposits 1 3 Years

194,574,915

Total Shares and Deposits > 3 Years

41,077,992

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

677,459,592

Total Uninsured Shares and Deposits > $250K (F+J)

677,459,592

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,584,300,076

Total Interest Expense (Sum of items 6 8)

16,992,808

Share Certificates

20,841

Number of Accounts for Share Drafts

50,049

IRA KEOGH Accounts

7,972

Number of Accounts for Regular Shares

103,551

Money Market Shares

627

Net Income (unless the amount is already included in Undivided Earnings)

4,216,424

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)

475,234,699

Total Liabilities

3,287,947,653

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Southern Energy Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Southern Energy Credit Union

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/.