Southern Energy Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Southern Energy Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on a 13-month CD ($500 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.01% to 4.00% APY.
Tracking began .
Southern Energy Credit Union CD & share certificate rates
Membership required. Certificates from 30 days to 60 months, including a 37-month certificate with a one-time step-up; a $500 minimum deposit is required. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 30 days | Certificate of Deposit (CD) | 2.01%Verified October 22, 2026 |
| 45 days | Certificate of Deposit (CD) | 2.01%Verified October 22, 2026 |
| 91 days | Certificate of Deposit (CD) | 3.75%Top 19% · $10k reference sampleVerified October 22, 2026 |
| 182 days | Certificate of Deposit (CD) | 3.85%Verified October 22, 2026 |
| 366 days | Certificate of Deposit (CD) | 3.95%Verified October 22, 2026 |
| 13 months | Certificate of Deposit (CD) | 4.00%Verified October 22, 2026 |
| 18 months | Certificate of Deposit (CD) | 3.95%Top 36% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Certificate of Deposit (CD) | 3.75%Top 40% · $10k reference sampleVerified October 22, 2026 |
| 30 months | Certificate of Deposit (CD) | 3.50%Verified October 22, 2026 |
| 36 months | Certificate of Deposit (CD) | 3.75%Top 34% · $10k reference sampleVerified October 22, 2026 |
| 37 months | Certificate of Deposit (CD) | 3.25%Verified October 22, 2026 |
| 48 months | Certificate of Deposit (CD) | 3.85%Top 23% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Certificate of Deposit (CD) | 3.95%Top 25% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Southern Energy Credit Union's best CD rates by term?
Southern Energy Credit Union's best rate is 4.00% APY on 13 months, verified October 22, 2026.
- 30 days2.01%
- 45 days2.01%
- 91 days3.75%
- 182 days3.85%
- 366 days3.95%
- 13 mo4.00%
- 18 mo3.95%
- 24 mo3.75%
- 30 mo3.50%
- 36 mo3.75%
- 37 mo3.25%
- 48 mo3.85%
- 60 mo3.95%
How much interest could a Southern Energy Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$433.58 interest · $10,433.58 at maturity on $10,000.00.
4.00% APY · 13 months · Certificate of Deposit (CD) · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 30 days | $8.192.01% APY · Certificate of Deposit (CD) · Standard | $16.372.01% APY · Certificate of Deposit (CD) · Standard | $40.932.01% APY · Certificate of Deposit (CD) · Standard | $81.852.01% APY · Certificate of Deposit (CD) · Standard |
| 45 days | $12.282.01% APY · Certificate of Deposit (CD) · Standard | $24.572.01% APY · Certificate of Deposit (CD) · Standard | $61.412.01% APY · Certificate of Deposit (CD) · Standard | $122.832.01% APY · Certificate of Deposit (CD) · Standard |
| 91 days | $46.103.75% APY · Certificate of Deposit (CD) · Standard | $92.213.75% APY · Certificate of Deposit (CD) · Standard | $230.513.75% APY · Certificate of Deposit (CD) · Standard | $461.033.75% APY · Certificate of Deposit (CD) · Standard |
| 182 days | $95.083.85% APY · Certificate of Deposit (CD) · Standard | $190.153.85% APY · Certificate of Deposit (CD) · Standard | $475.393.85% APY · Certificate of Deposit (CD) · Standard | $950.773.85% APY · Certificate of Deposit (CD) · Standard |
| 366 days | $198.053.95% APY · Certificate of Deposit (CD) · Standard | $396.103.95% APY · Certificate of Deposit (CD) · Standard | $990.263.95% APY · Certificate of Deposit (CD) · Standard | $1,980.523.95% APY · Certificate of Deposit (CD) · Standard |
| 13 months | $216.794.00% APY · Certificate of Deposit (CD) · Standard | $433.584.00% APY · Certificate of Deposit (CD) · Standard | $1,083.954.00% APY · Certificate of Deposit (CD) · Standard | $2,167.904.00% APY · Certificate of Deposit (CD) · Standard |
| 18 months | $299.443.95% APY · Certificate of Deposit (CD) · Standard | $598.883.95% APY · Certificate of Deposit (CD) · Standard | $1,497.193.95% APY · Certificate of Deposit (CD) · Standard | $2,994.383.95% APY · Certificate of Deposit (CD) · Standard |
| 24 months | $382.033.75% APY · Certificate of Deposit (CD) · Standard | $764.063.75% APY · Certificate of Deposit (CD) · Standard | $1,910.163.75% APY · Certificate of Deposit (CD) · Standard | $3,820.313.75% APY · Certificate of Deposit (CD) · Standard |
| 30 months | $449.313.50% APY · Certificate of Deposit (CD) · Standard | $898.623.50% APY · Certificate of Deposit (CD) · Standard | $2,246.543.50% APY · Certificate of Deposit (CD) · Standard | $4,493.083.50% APY · Certificate of Deposit (CD) · Standard |
| 36 months | $583.863.75% APY · Certificate of Deposit (CD) · Standard | $1,167.713.75% APY · Certificate of Deposit (CD) · Standard | $2,919.293.75% APY · Certificate of Deposit (CD) · Standard | $5,838.573.75% APY · Certificate of Deposit (CD) · Standard |
| 37 months | $518.003.25% APY · Certificate of Deposit (CD) · Standard | $1,036.003.25% APY · Certificate of Deposit (CD) · Standard | $2,590.013.25% APY · Certificate of Deposit (CD) · Standard | $5,180.023.25% APY · Certificate of Deposit (CD) · Standard |
| 48 months | $815.623.85% APY · Certificate of Deposit (CD) · Standard | $1,631.243.85% APY · Certificate of Deposit (CD) · Standard | $4,078.103.85% APY · Certificate of Deposit (CD) · Standard | $8,156.203.85% APY · Certificate of Deposit (CD) · Standard |
| 60 months | $1,068.663.95% APY · Certificate of Deposit (CD) · Standard | $2,137.313.95% APY · Certificate of Deposit (CD) · Standard | $5,343.283.95% APY · Certificate of Deposit (CD) · Standard | $10,686.553.95% APY · Certificate of Deposit (CD) · Standard |
How Southern Energy Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 35 of 64 tracked institutions with fresh 395-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Southern Energy Credit Union (this institution)Certificate of Deposit (CD) · Standard | 13 months | $500 | Coverage: AL, GA, MS | 4.00% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 13 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| Del Norte Credit Union (highest tracked APY for this term)Share Certificate - $100,000+ Minimum Balance · Promotional | 13 months | $100,000 | Coverage: NM | 5.23% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.60% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Southern Energy Credit Union on October 22, 2026.
About Southern Energy Credit Union
- Legal name
- Southern Energy Credit Union
- Regulator ID
- NCUA 62728
- Headquarters
- Birmingham, AL
- Available in
- AL, GA, MS
- Total assets
- $3.6 billion
- Also known as
- Website
- www.southernenergycu.org
Source: rates read from https://www.southernenergycu.org/savings-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Southern Energy Credit Union?
Among the rates we track, 4.00% APY on a 13-month CD, as of October 22, 2026.
What is the minimum deposit for a Southern Energy Credit Union CD?
The lowest minimum we found is $500.
How does Southern Energy Credit Union's best CD rate compare with Treasury yields?
4.00% APY is −0.60% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Southern Energy Credit Union CDs insured?
Southern Energy Credit Union is a federally insured credit union (NCUA 62728). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Southern Energy Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Southern Energy Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Southern Energy Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Southern Energy Credit Union before opening an account. This page is not financial advice.