Credit union · NCUA insured
Southern Energy Credit Union Auto Loan Rates
Top CarrotSouthern Energy Credit Union auto loans start at 4.60% APR for a new vehicle and 4.75% for a used one. Rates checked October 22, 2026.
How Southern Energy Credit Union’s auto loan rates compare
Compared with banks and credit unions near Birmingham, AL, where Southern Energy Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southern Energy Credit Union
4.60%APR
- Terms
- up to 63 months
New Car Loans
Lowest rate
ASE Credit Union
2.99%APR
- Terms
- up to 84 months
2nd-lowest rate
AOD Federal Credit Union
2.74%APR
- Terms
- up to 75 months
Southern Energy Credit Union auto loan score
87
Auto loan score
Higher than 79% of U.S. banks and credit unions
- New vehicleNew4.60%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southern Energy Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Car Loans
The APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value. Rates are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.50% | — |
| up to 63 months | 4.60% | Requires a minimum loan amount of $10,000. |
| up to 75 months | 5.25% | Requires a minimum loan amount of $20,000. |
| up to 84 months | 6.13% | Requires a minimum loan amount of $30,000. |
Sources (1)
- southernenergycu.org/auto-loans-and-rates · captured Oct 7, 2026
Used Car Loans
The APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value. Rates are subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.70% | — |
| up to 63 months | 4.75% | Requires a minimum loan amount of $10,000. |
| up to 75 months | 5.75% | Requires a minimum loan amount of $20,000. |
| — | 7.25% | 2017 Year Model or Older. |
Sources (1)
- southernenergycu.org/auto-loans-and-rates · captured Oct 7, 2026
Who can join Southern Energy Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of designated participating companies and organizations are eligible for membership.
- Employees and retirees of Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear, or other affiliated companies of the Southern Company are eligible for membership.
Family and household
- Family members related by blood or marriage to any Southern Energy Credit Union member are eligible for membership.
Cost to join
- Opening a membership requires maintaining a minimum $5 deposit in a regular Share (Savings) Account.
Membership information collected October 4, 2026.