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Southern Energy Credit Union

Southern Energy Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.southernenergycu.org
205-226-6800
750 17th Street North
Birmingham, AL 35203

Field of Membership Restrictions

Membership in Southern Energy Credit Union is open to employees and retirees of Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company. Membership is also open to family members, related by blood or marriage.
See current membership details

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Health
B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #62728
Year Chartered1953
Employees157
Primary Regulator
Profit Margin
Return on Assets - YTD0.25%
Return on Equity - YTD3.48%
Annual Interest Income$112.2MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$3.45B$3.5B
LoansQ4 2024vs Q4 2023$902.2MM$921.2MM
DepositsQ4 2024vs Q4 2023$3.18B$3.26B
Equity CapitalQ4 2024vs Q4 2023$245.5MM$213.4MM
Loan Loss AllowanceQ4 2024vs Q4 2023$2.8MM$3MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$2.1MM$1.7MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Southern Energy Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$0-Share Account
1.00%$0-Christmas Club Account

Southern Energy Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$1m*-Money Market
OTHER TIERS: 1.06% → $10k - $100k | 1.26% → $100k - $250k | 1.51% → $250k - $500k | 1.76% → $500k - $1m

Southern Energy Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$2k*-Checking Account
OTHER TIERS: 0.15% → $0 - $2k

Southern Energy Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-91 Day CD
3.95%$500-182 Day CD
3.75%$500-366 Day CD
3.50%$500-18 Month CD
3.50%$500-60 Month CD
3.50%$500-13 Month CD
3.25%$500-24 Month CD
3.25%$500-48 Month CD
3.10%$500-36 Month CD
3.00%$500-30 Month CD
3.00%$500-37 Month CD (1-Time Step Up)
1.00%$500-30 Day CD
1.00%$500-45 Day CD
1.00%$500-60 Day CD

Southern Energy Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.95%$500-182 Day IRA
3.75%$500-366 Day IRA
3.50%$500-18 Month IRA
3.50%$500-60 Month IRA
3.50%$500-13 Month IRA
3.25%$500-24 Month IRA
3.25%$500-48 Month IRA
3.10%$500-36 Month IRA
3.00%$500-30 Month IRA
3.00%$500-37 Month IRA (1-Time Step Up)
2.02%$0-IRA Share Account
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