Credit union · NCUA insured
Southern Energy Credit Union Savings Rates
Top CarrotSouthern Energy Credit Union’s best savings rate is 2.25% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Southern Energy Credit Union’s savings 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
2.25%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $225
Money Market Account
Top rate
Guardian Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
2nd-highest rate
SouthPoint Bank
4.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
Southern Energy Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0002.25%
- $100,000 balance$100,0002.75%
- QualifiedQualified2.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
2.25%APY
Requires Southern Energy membership. Minimum average daily balance of $10,000 required to earn interest and avoid monthly Minimum Balance Fee. Interest computed on average daily balance and compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $100,000Minimum average daily balance for tier must be maintained to earn disclosed APY. Minimum balance of $10,000 required to avoid monthly Minimum Balance Fee. | 2.25% | $225 | Minimum average daily balance for tier must be maintained to earn disclosed APY. Minimum balance of $10,000 required to avoid monthly Minimum Balance Fee. |
| $100,000 – $250,000Minimum average daily balance for tier must be maintained to earn disclosed APY. Minimum balance of $10,000 required to avoid monthly Minimum Balance Fee. | 2.75% | — | Minimum average daily balance for tier must be maintained to earn disclosed APY. Minimum balance of $10,000 required to avoid monthly Minimum Balance Fee. |
| $250,000 – $500,000Minimum average daily balance for tier must be maintained to earn disclosed APY. Minimum balance of $10,000 required to avoid monthly Minimum Balance Fee. | 2.85% | — | Minimum average daily balance for tier must be maintained to earn disclosed APY. Minimum balance of $10,000 required to avoid monthly Minimum Balance Fee. |
| $500,000 – $1,000,000Minimum average daily balance for tier must be maintained to earn disclosed APY. Minimum balance of $10,000 required to avoid monthly Minimum Balance Fee. | 3.00% | — | Minimum average daily balance for tier must be maintained to earn disclosed APY. Minimum balance of $10,000 required to avoid monthly Minimum Balance Fee. |
| $1,000,000 and upMinimum average daily balance for tier must be maintained to earn disclosed APY. Minimum balance of $10,000 required to avoid monthly Minimum Balance Fee. | 3.25% | — | Minimum average daily balance for tier must be maintained to earn disclosed APY. Minimum balance of $10,000 required to avoid monthly Minimum Balance Fee. |
Sources (2)
All captured Oct 5, 2026
Share Account
0.75%APY
A minimum balance of $5.00 must be maintained to avoid a service fee. Dividends computed on average daily balance and compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA minimum balance of $5.00 must be maintained to avoid a service fee. Dividends computed on average daily balance and compounded quarterly.Any balance | 0.75% | $75 | A minimum balance of $5.00 must be maintained to avoid a service fee. Dividends computed on average daily balance and compounded quarterly. |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA Share Account
2.02%APY
IRA deposits may be invested in the IRA Share Account requiring at least $25. Dividends computed on average daily balance and compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends computed on the average daily balance and compounded quarterly. Minimum investment of $25.Any balance | 2.02% | $202 | Dividends computed on the average daily balance and compounded quarterly. Minimum investment of $25. |
Christmas Club Account
0.75%APY
In early October, saved funds automatically transfer into regular Share (savings) Account. Early withdrawals may be subject to a fee. Dividends computed on average daily balance and compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly maintenance fee. Early withdrawals may be subject to a fee. Dividends computed on the average daily balance and compounded quarterly.Any balance | 0.75% | $75 | No monthly maintenance fee. Early withdrawals may be subject to a fee. Dividends computed on the average daily balance and compounded quarterly. |
Sources (2)
All captured Oct 5, 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.