Business Details
50+ Years
experience
Your Trusted Alabama Credit Union Since 1953
Since 1953, Southern Energy Credit Union has been dedicated to helping members achieve financial success through personalized service and modern financial solutions. As Alabama's largest state-chartered credit union, we combine competitive savings rates with low fees and digital banking convenience to serve over 90,000 members across Alabama, Georgia, and Mississippi. Our 29 branches and nationwide network of 5,000 service centers provide accessible banking options while maintaining the community-focused values that have defined our institution for seven decades. We specialize in creating financial pathways for families, including youth savings programs that teach children essential money management skills. Our executive leadership team brings decades of industry experience to deliver innovative products like our Visa Rewards Credit Card, home equity lines of credit, and specialized loan programs for automobiles, mortgages, and recreational vehicles.Through strategic growth and technology investments, we continue expanding our digital services including mobile banking, bill pay, and Zelle integration while maintaining physical locations for personalized assistance. Our commitment to financial education is demonstrated through resources like our mortgage center calculators and community financial literacy initiatives. Federally insured by NCUA and designated an Equal Housing Opportunity Lender, we uphold strict compliance standards while maintaining operational transparency. With over $2 billion in assets, we balance local market expertise with national service capabilities to deliver exceptional member value.
Services
Checking Accounts
Visa Debit Card
Auto Loans
Mortgage Loans
Credit Cards
CD Accounts
Money Market Accounts
Personal Loans
Digital Banking
Youth Accounts
Details
- Year established: 1953
Highlights and features
- We offer industry-leading savings rates with 0.75% APY on share accounts
- Our loan rates start as low as 4.85% APR for new auto financing
- We provide nationwide access through 5,000 credit union service centers
- Our digital banking platform includes mobile deposit and Zelle integration
- We've served Alabama communities for over 70 years with personalized service
Associations and certifications
- NCUA
- Equal Housing Opportunity Lender
Services
Auto Loans
Our auto loan program offers competitive rates starting at 4.85% APR for qualified borrowers. We finance both new and used vehicles with flexible terms up to 63 months. Our loan specialists help members find the right financing solution while maintaining affordable monthly payments.
Mortgage Loans
We provide comprehensive mortgage solutions including conventional loans, first-time homebuyer programs, and home equity lines of credit. Our mortgage center offers personalized guidance through the home buying process with competitive rates and local decision-making.
Digital Banking
Our digital banking platform enables 24/7 account access with features like mobile check deposit, bill payment, and Zelle transfers. Members can manage accounts, apply for loans, and track spending through our secure mobile app and online portal.
Youth Accounts
Designed to teach financial responsibility, our youth share accounts help children learn money management skills. These accounts offer simple benefits with no minimum balance requirements, encouraging early financial education through practical experience.
Credit Cards
Our Visa Rewards Credit Card program offers cashback incentives and purchase protection benefits. Cardholders earn rewards on everyday spending while enjoying competitive interest rates and no annual fees for maintaining good credit standing.
People
Andy Rush
President and CEO
Andy Rush brings 25+ years of financial leadership experience to Southern Energy Credit Union. He previously served as CFO for a $1B credit union and holds multiple industry certifications. His strategic vision focuses on digital transformation and community financial empowerment.
Questions
How do I open a new account?
You can open an account online through our secure digital banking portal or visit any of our 29 Alabama, Georgia, or Mississippi branches for in-person assistance.
What loan types do you offer?
We provide auto loans, mortgage loans, personal loans, recreational vehicle loans, and credit card financing with competitive rates for qualified applicants.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.
Do you have mobile banking?
Our mobile app provides 24/7 account access with features like mobile check deposit, bill payment, Zelle transfers, and real-time balance tracking.
Reviews (4)
Mick McMeme
Jul 03, 2021
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Not a good place for a long term savings account. A savings account is a place where your money can be kept safely, if they see no money added or withdrawn over a couple of months, they start charging a "fee" until the account is drained dry. The whole point of the account is to keep my money safe there. This should serve as an indicator to the type of bank this is.
Alden Brindle
Dec 11, 2020
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Good to work with. I like that they are insured by the government. Some credit unions hove a non government insurance.
Davis Family
Aug 31, 2020
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So far I am not very impressed with this credit union. I am not sure if it is just the person that we dealt with or the entire credit union. We made an appointment to do an auto loan and it felt like the initial person that helped us at the Clanton branch talked down to us the entire time. We had to leave and get some additional documentation, which was fine, but we were not given all of the information that we needed. I had called to double check to see what we needed and so it was ready when we came back to the branch. When we came back to the branch a couple of days later I was told that we
Christopher Colvin
Aug 31, 2018
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Got a mortgage through APCU a year ago, the loan officer I worked with wasn't helpful and actually lost my paperwork which delayed the closing by 3 months. I don't have other accounts there but since then I have gone in for a couple of things and the people have been helpful (that's why I'm giving 2 stars). Hopefully my experience was isolated and they fired the person who screwed up my account.
