Southern Energy Credit Union
Verified rate book
Current Southern Energy Credit Union rates
41 published offers verified as of August 4, 2026.
Auto & vehicle rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 48-Month New Auto Loanauto_new_48mo | 4.500% APR | 4.500% | 48 mo · new | Standard |
| 63-Month New Auto Loanauto_new_63mo | 4.600% APR | 4.600% | 63 mo · new | Standard |
| 48-Month Used Auto Loanauto_used_48mo | 4.700% APR | 4.700% | 48 mo · used | Standard |
| 63-Month Used Auto Loanauto_used_63mo | 4.750% APR | 4.750% | 63 mo · used | Standard |
| 75-Month New Auto Loanauto_new_75mo | 5.250% APR | 5.250% | 75 mo · new | Standard |
| 75-Month Used Auto Loanauto_used_75mo | 5.750% APR | 5.750% | 75 mo · used | Standard |
| 84-Month New Auto Loanauto_new_84mo | 6.125% APR | 6.125% | 84 mo · new | Standard |
| 2017 Year Model or Olderauto_used | 7.250% APR | 7.250% | used | Standard |
| Used Car Loans (2017 Year Model or Older)auto_used_204mo | 7.250% APR | 7.250% | 204 mo · used | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Closed End Signature Loanpersonal_unsecured_12mo | 10.900% APR | 10.900% | 12 mo | Standard |
| Open End Signature Loanpersonal_unsecured | 10.900% APR | 10.900% | — | Standard |
| Closed End Signature Loanpersonal_unsecured_36mo | 11.500% APR | 11.500% | 36 mo | Standard |
Savings & CD rates
29 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Savingsshare_savings | 0.75% APY | 0.75% | — | Standard |
| Savings Accounts (Christmas Club Account)savings | 0.75% APY | 0.75% | — | Specialty offer |
| 1-Month Certificatecd_1mo | 1.51% APY | 1.51% | 1 mo | Standard |
| Money Market Account (45/60 Days)money_market | 1.51% APY | 1.51% | — | Standard |
| IRAira | 2.02% APY | 2.02% | — | Standard |
| Money Market Account $10,000 - $99,999.99money_market | 2.02% APY | 2.02% | — | Standard |
| Money Market Account $500,000 - $999,999.99money_market | 2.53% APY | 2.53% | — | Standard |
| Money Market Account $100,000 - $249,999.99money_market | 2.53% APY | 2.53% | — | Standard |
| Money Market Account $250,000 - $499,999.99money_market | 2.53% APY | 2.53% | — | Standard |
| Money Market ($1,000,000+)money_market | 3.04% APY | 3.04% | — | Standard |
| 30-Month Certificatecd_30mo | 3.25% APY | 3.25% | 30 mo | Standard |
| Money Market Account (37 Months (1-time step up))money_market | 3.25% APY | 3.25% | 37 mo | Standard |
| 30-Month Money Marketmoney_market | 3.25% APY | 3.25% | 30 mo | Standard |
| 48-Month Money Marketmoney_market | 3.50% APY | 3.50% | 48 mo | Standard |
| 18-Month Certificatecd_18mo | 3.50% APY | 3.50% | 18 mo | Standard |
| 18-Month Money Marketmoney_market | 3.50% APY | 3.50% | 18 mo | Standard |
| 24-Month Money Marketmoney_market | 3.50% APY | 3.50% | 24 mo | Standard |
| 36-Month Money Marketmoney_market | 3.50% APY | 3.50% | 36 mo | Standard |
| 60-Month Money Marketmoney_market | 3.50% APY | 3.50% | 60 mo | Standard |
| 3-Month Certificatecd_3mo | 3.60% APY | 3.60% | 3 mo | Standard |
| Money Market Account (91 Days)money_market | 3.60% APY | 3.60% | — | Standard |
| 13-Month Money Marketmoney_market | 3.60% APY | 3.60% | 13 mo | Standard |
| Money Market Account (182 Days)money_market | 3.65% APY | 3.65% | — | Standard |
| 6-Month Certificatecd_6mo | 3.65% APY | 3.65% | 6 mo | Standard |
| Money Market Account (366 Days)money_market | 3.75% APY | 3.75% | — | Standard |
| 12-Month Certificatecd_12mo | 3.75% APY | 3.75% | 12 mo | Standard |
| 48-Month Certificatecd_48mo | 4.50% APY | 4.50% | 48 mo | Standard |
| 63-Month Certificatecd_63mo | 4.60% APY | 4.60% | 63 mo | Standard |
| 75-Month Certificatecd_75mo | 5.25% APY | 5.25% | 75 mo | Standard |
Auto loans available from 4.5% APR for 48 months. Personal loan rates from 10.9% APR. Savings and certificate yields up to 5.25% APY.
Source: RateAPI.dev, verified from Southern Energy Credit Union's official website
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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. 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.
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.
Membership via employers (Alabama Power Company +4 more)
- EmployerAlabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear
Cost to join: About $5.
Verified from Southern Energy Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Southern Energy Credit Union?
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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 August 4, 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 August 4, 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.
What are Southern Energy Credit Union's auto loan rates?
As of August 4, 2026, Southern Energy Credit Union offers auto loans from 4.5% APR.
What is Southern Energy Credit Union's personal loan rate?
As of August 4, 2026, Southern Energy Credit Union offers personal loans from 10.9% APR.
What is Southern Energy Credit Union's best CD rate?
As of August 4, 2026, Southern Energy Credit Union offers savings and certificate (CD) yields up to 5.25% APY.
Related Rate Data
Compare Southern Energy Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for Southern Energy Credit Union
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-H "Authorization: Bearer YOUR_API_KEY"