Southern Energy Credit Union
Headquarters
750 17th St N
Birmingham, AL 35203
See all branch locations →
Phone 800-249-2726
2025 Overview
General Credit Union Information
Southern Energy is an NCUA insured institution located in Birmingham, AL. It was founded in 1953 and has approximately $3616.7 millions in assets.
Who can join?
You are eligible to become an APCO member if you are in any of the following categories:
An employee or retiree of Alabama Power Company, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company.
An employee or retiree of other designated groups or organizations.
Family members, related by blood or marriage, to any APCO Credit Union member.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 62728 |
| Date Established | 1953 |
| Assets | $3,616.70 million |
| Loans | $931.75 million |
| Deposits | $3,298.64 million |
| Capital | $505.00 million |
Field of Membership Restrictions
Membership in Apco Employees Credit Union is open to employees and retirees of Alabama Power Company, Southern Nuclear, Southern Company Services, or other affiliated companies of the Southern Company.
Deposit Rates - July 10, 2025
Your Current Location: New York, NY 10116
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Loan Rates - July 10, 2025
Your Current Location: New York, NY 10116
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 4 Year | 2.45% | 2.45% | $547.30 | |
| 5 Year | 2.90% | 2.90% | $448.11 |
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Loan
See Table |
5.17% | 4.95% | $788.19 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.12% | 6.00% | $2,700.34 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.90% | 6.88% | $2,853.93 | |
| 20 Year Fixed Conforming See Amortization Table |
6.59% | 6.50% | $2,385.83 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.40% | 7.38% | $2,553.50 | |
| 30 Year Fixed Conforming See Amortization Table |
7.33% | 7.25% | $2,182.96 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.46% | 7.45% | $2,226.54 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.12% | 6.00% | $2,700.34 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.90% | 6.88% | $2,853.93 | |
| 20 Year Fixed Conforming See Amortization Table |
6.59% | 6.50% | $2,385.83 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.40% | 7.38% | $2,553.50 | |
| 30 Year Fixed Conforming See Amortization Table |
7.33% | 7.25% | $2,182.96 | |
Compare with 6.372% APR and 6.250% 30-Year Fixed RATE from Reliant Home Funding, Inc.
See All Mortgage Rates |
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| 30 Year Fixed Jumbo See Amortization Table |
7.46% | 7.45% | $2,226.54 | |
|
Compare with 6.372% APR and 6.250% 30-Year Fixed RATE from Reliant Home Funding, Inc.
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Southern Energy branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
Southern Energy Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 681.21 | A | View Lobby Hours | |
| 707.04 | B | View Lobby Hours | |
| 725.27 | C | View Lobby Hours | |
| 730.01 | D | View Lobby Hours | |
| 730.29 | E | View Lobby Hours | |
| 735.85 | F | View Lobby Hours | |
| 736.58 | G | View Lobby Hours | |
| 828.30 | H | View Lobby Hours | |
| 840.89 | I | View Lobby Hours | |
| 841.36 | J | View Lobby Hours | |
| 841.41 | K | View Lobby Hours | |
| 847.00 | L | View Lobby Hours | |
| 847.51 | M | View Lobby Hours | |
| 850.49 | N | View Lobby Hours | |
| 850.80 | O | View Lobby Hours | |
| 862.35 | P | View Lobby Hours | |
| 869.89 | Q | View Lobby Hours | |
| 885.70 | R | View Lobby Hours | |
| 891.03 | S | View Lobby Hours | |
| 1016.20 | T | View Lobby Hours | |
| 1022.68 | U | View Lobby Hours | |
| 1072.24 | V | View Lobby Hours |
Climate Policy and Initiatives
SOUTHERN ENERGY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Southern Energy Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Southern Energy. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Southern Energy | U.S. Average |
|---|---|
| 1.91% | 7.07 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2024, Southern Energy had $9,601,049 in non-current loans and $88,103 in owned assets. To cover these potential losses it had $504,995,879 in net worth and $1,250,107 in loans loss reserves. That gives it a Texas Ratio of 1.91%.
Net Worth
| Southern Energy | U.S. Average |
|---|---|
| 13.96% | 14.25% |
Southern Energy FCU has a net worth of 13.96% versus the BestCashCow average of 14.25. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Southern Energy
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