# Southern Energy Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/southern-energy-credit-union
Institution: Southern Energy Credit Union (NCUA 62728)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:12.000Z (October 22, 2026)
Official source: https://www.southernenergycu.org/savings-rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit (CD) | standard | 30 days | $500 | 2.01% | Not ZIP-priced | −2.12% | 2026-10-22T16:25:12.000Z | [Snapshot 407](https://apyledger.com/snapshots/407) |
| Certificate of Deposit (CD) | standard | 45 days | $500 | 2.01% | Not ZIP-priced | −2.16% | 2026-10-22T16:25:12.000Z | [Snapshot 407](https://apyledger.com/snapshots/407) |
| Certificate of Deposit (CD) | standard | 91 days | $500 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T16:25:12.000Z | [Snapshot 407](https://apyledger.com/snapshots/407) |
| Certificate of Deposit (CD) | standard | 182 days | $500 | 3.85% | Not ZIP-priced | −0.55% | 2026-10-22T16:25:12.000Z | [Snapshot 407](https://apyledger.com/snapshots/407) |
| Certificate of Deposit (CD) | standard | 366 days | $500 | 3.95% | Not ZIP-priced | −0.62% | 2026-10-22T16:25:12.000Z | [Snapshot 407](https://apyledger.com/snapshots/407) |
| Certificate of Deposit (CD) | standard | 13 months | $500 | 4.00% | Not ZIP-priced | −0.60% | 2026-10-22T16:25:12.000Z | [Snapshot 407](https://apyledger.com/snapshots/407) |
| Certificate of Deposit (CD) | standard | 18 months | $500 | 3.95% | Not ZIP-priced | −0.77% | 2026-10-22T16:25:12.000Z | [Snapshot 407](https://apyledger.com/snapshots/407) |
| Certificate of Deposit (CD) | standard | 24 months | $500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T16:25:12.000Z | [Snapshot 407](https://apyledger.com/snapshots/407) |
| Certificate of Deposit (CD) | standard | 30 months | $500 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-22T16:25:12.000Z | [Snapshot 407](https://apyledger.com/snapshots/407) |
| Certificate of Deposit (CD) | standard | 36 months | $500 | 3.75% | Not ZIP-priced | −1.20% | 2026-10-22T16:25:12.000Z | [Snapshot 407](https://apyledger.com/snapshots/407) |
| Certificate of Deposit (CD) | standard | 37 months | $500 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-22T16:25:12.000Z | [Snapshot 407](https://apyledger.com/snapshots/407) |
| Certificate of Deposit (CD) | standard | 48 months | $500 | 3.85% | Not ZIP-priced | −1.13% | 2026-10-22T16:25:12.000Z | [Snapshot 407](https://apyledger.com/snapshots/407) |
| Certificate of Deposit (CD) | standard | 60 months | $500 | 3.95% | Not ZIP-priced | −1.06% | 2026-10-22T16:25:12.000Z | [Snapshot 407](https://apyledger.com/snapshots/407) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.