Credit union · NCUA insured
Southern Energy Credit Union Credit Card Rates
Top CarrotSouthern Energy Credit Union credit card rates start at 10.00% APR. Rates checked October 22, 2026.
How Southern Energy Credit Union’s credit card rates compare
Compared with banks and credit unions near Birmingham, AL, where Southern Energy Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Southern Energy Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
AmFirst
7.80%APR
- Up to
- —
2nd-lowest rate
AOD Federal Credit Union
8.49%APR
- Up to
- 16.99% APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Rewards Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | Introductory offer of 1.99% APR for 6 months on purchases made within the first 90 days of account opening. |
| Ongoing | 10.00%–17.75% | None | Standard ongoing rate after introductory period based on creditworthiness. |
Sources (1)
- southernenergycu.org/visa-rewards-card · 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This may be incomplete or out of date, so check with the credit union before you apply.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.