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Southern Energy Credit Union Rates & Review June 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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| iEditorial Disclosure
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: June 10, 2026

You can compare Southern Energy Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.77%, 6-month share certificate rates at 3.00% and 3-month share certificate rates at 1.00%. Savings rates are at 0.15% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 6.02%. All these rates can be compared to Southern Energy Credit Union rates. 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 0.45%. Rates were last updated on 06/10/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.45%
Excellent Lower than avg
Southern Energy Credit Union
Main Office
750 17th St N
Birmingham, AL 35203
https://www.southernenergycu.org/
Member NCUA

Current Rate Availability

We do not have Southern Energy Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

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 166
Part-Time Employees 14
Branch Locations 30
ATM Locations 18
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
0.45%
Return on Assets (ROA)
0.2963%
Return on Equity (ROE)
2.0620%
Non-Performing Loans Ratio (NPL)
0.24%
Total Assets
3,564,928,358
Total Amount of Shares and Deposits
3,199,409,249
Total Shares and Deposits < 1 Year
2,979,662,030
Total Shares and Deposits 1 3 Years
163,288,639
Total Shares and Deposits > 3 Years
56,458,580
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
653,931,908
Total Uninsured Shares and Deposits > $250K (F+J)
653,931,908
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,545,477,341
Total Interest Expense (Sum of items 6 8)
54,555,363
Share Certificates
20,511
Number of Accounts for Share Drafts
49,080
IRA KEOGH Accounts
8,057
Number of Accounts for Regular Shares
103,355
Money Market Shares
433
Net Income (unless the amount is already included in Undivided Earnings)
10,564,054
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
473,717,572
Total Liabilities
3,224,856,500
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Southern Energy Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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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/.

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