Southern Energy rates: up to 4.00% APY
credit union · NCUA CHARTER 62728 · www.southernenergycu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Christmas Club Account | 0.75% | APY | 2026-11-01 | since 2026-11-01 | ||
| IRA Share Account | 2.02% | APY | 2026-11-01 | since 2026-11-01 | ||
| Share Account | 0.75% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificate of Deposit | 30 Days | 2.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 45/60 Days | 2.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 91 Days | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 182 Days | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 366 Days | 3.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 13 Months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 18 Months | 3.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 24 Months | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 30 Months | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 36 Months | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 37 Months (1-time step up) | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 48 Months | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 60 Months | 3.95% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | 2.25% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Account | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.southernenergycu.org/share/ | — | extract-failed | |
| www.southernenergycu.org/savings-rates/ | 2026-11-01 16:13 UTC | ok | 87c48fd9deb8 |
| www.southernenergycu.org/cds/ | — | extract-failed |