Credit union · NCUA insured
Southern Energy Credit Union CD Rates
Top CarrotSouthern Energy Credit Union’s best CD rate is 4.00% APY on a 13-month share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Southern Energy Credit Union’s CD rates compare
Compared with banks and credit unions near Birmingham, AL, where Southern Energy Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southern Energy Credit Union
4.00%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $434
Certificates of Deposit (CDs)
Top rate
Birmingham City Credit Union
5.00%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $759
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Southern Energy Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.95%
- 31–60 months31–60 mo3.95%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Southern Energy Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
Up to 4.00%APY · 13 terms
Available to qualifying members. Minimum $500 deposit required to open a CD. Rates subject to change without notice. Interest is computed and compounded daily and posted quarterly and at maturity. At maturity, CD will automatically renew for another term at the then available APY. There is a penalty for early withdrawal. Grace period of 5 business days to withdraw a certificate after the automatic renewal date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 2.01% | $17 |
| 2 monthsTerm: 45/60 Days | 2.01% | $25 |
| 3 monthsTerm: 91 Days | 3.75% | $92 |
| 6 monthsTerm: 182 Days | 3.85% | $191 |
| 12 monthsTerm: 366 Days | 3.95% | $395 |
| 13 months | 4.00% | $434 |
| 18 months | 3.95% | $598 |
| 24 months | 3.75% | $764 |
| 30 months | 3.50% | $898 |
| 36 months | 3.75% | $1,168 |
| 37 months1-time step up | 3.25% | $1,036 |
| 48 months | 3.85% | $1,631 |
| 60 months | 3.95% | $2,137 |
Sources (3)
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificates of Deposit (CDs)
Up to 4.00%APY · 10 terms
Same rates as regular certificates for maturities from 182 days to 60 months with a minimum of $500 deposit. Interest is compounded and computed daily and posted quarterly and at maturity. Penalty for early withdrawal. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTerm: 182 Days | 3.85% | $191 |
| 12 monthsTerm: 366 Days | 3.95% | $395 |
| 13 months | 4.00% | $434 |
| 18 months | 3.95% | $598 |
| 24 months | 3.75% | $764 |
| 30 months | 3.50% | $898 |
| 36 months | 3.75% | $1,168 |
| 37 months1-time step up | 3.25% | $1,036 |
| 48 months | 3.85% | $1,631 |
| 60 months | 3.95% | $2,137 |
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.