Southern Energy Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Gulfport Branch	2207 17th St, Gulfport, MS 39501	View Lobby Hours
Savannah Branch	3101 Kilowatt Dr, Savannah, GA 31405	View Lobby Hours
Henry County Branch	2500 Patrick Henry Pkwy, McDonough, GA 30253	View Lobby Hours
Forest Park Branch	62 Lake Mirror Rd, Forest Park, GA 30297	View Lobby Hours
30 Allen Plaza Branch	30 Ivan Allen Jr Blvd NW, Atlanta, GA 30308	View Lobby Hours
Main Office	241 Ralph McGill Blvd NE, Atlanta, GA 30308	View Lobby Hours
Athens Branch	285 Newton Bridge Rd, Athens, GA 30607	View Lobby Hours
Cobb Branch	2135 Roswell Rd, Marietta, GA 30062	View Lobby Hours
Pelham	301 Huntley Pkwy, Pelham, AL 35124	View Lobby Hours
Mobile	150 Saint Joseph St, Mobile, AL 36602	View Lobby Hours
Montgomery	244 Dexter Ave, Montgomery, AL 36104	View Lobby Hours
Trussville	151 Main St, Trussville, AL 35173	View Lobby Hours
Jasper	706 20th Ave E, Jasper, AL 35501	View Lobby Hours
Hueytown	2901 Allison Bonnett Memorial Dr, Hueytown, AL 35023	View Lobby Hours
Tuscaloosa	630 15th St, Tuscaloosa, AL 35401	View Lobby Hours
West Mobile	6396 Airport Blvd, Mobile, AL 36608	View Lobby Hours
Dothan	2220 Montgomery Hwy, Dothan, AL 36303	View Lobby Hours
Inverness	42 Inverness Center Pkwy Fl 1, Birmingham, AL 35242	View Lobby Hours
Alabama Power Headquarters	600 18th St N, Birmingham, AL 35203	View Lobby Hours
Main Office	750 17th St N, Birmingham, AL 35203	View Lobby Hours
Hoover	4725 Chace Cir, Hoover, AL 35244	View Lobby Hours
Clanton	1872 7th St S, Clanton, AL 35045	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 292473	5.752%	5.625%	0.75	$4,475	$1,843	Learn More
NMLS ID: 613839	6.045%	5.990%	0.00	$1,887	$1,917	Learn More
NMLS ID: 399799	6.089%	6.000%	0.63	$3,196	$1,919	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Quicken Loans See Table	0.000 %	$0	Learn More More Info
Ready to access funds? Homeowners’ best kept secret for cash. Access equity on YOUR terms. It costs $0 to see how much you could get with a lender Homeowners best kept secret for cash No second mortgage needed Keep the low rate you already have It costs $0 to check your options with lenders
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

Southern Energy Credit Union - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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