Lender profile
Southern Energy Credit Union
Lender Live rate observations
Southern Energy Credit Union at a glance
Southern Energy Credit Union is a lender based in Alabama. LoanMate.ai tracks 4 published loan products from Southern Energy Credit Union (4 rate listings), last verified 2026-10-21. Its lowest published rate today is 4.5% on New auto loan · 48 months. Its New auto loan · 48 months rate of 4.5% is 0.49 points below the national median of 4.99% (across 201 lenders publishing that product). Southern Energy Credit Union lends in Alabama only.
Auto loan (4)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-48 | — | 4.50 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-USED-48 | — | 4.70 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-NEW-84 | — | 6.125 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-USED | — | 7.25 | — | — | 2026-10-21 | Lender source ↗ |
How does Southern Energy Credit Union's New auto loan · 48 months rate compare nationally?
Compare all auto loan rates · Best loan rates in Alabama
Compare with: Acipco, Alabama Central Credit Union, Alabama Credit Union, Alabama One Credit Union
Common questions
What is the lowest published rate at Southern Energy Credit Union?
As of October 21, 2026, the lowest rate LoanMate.ai tracks from Southern Energy Credit Union is 4.5% on its New auto loan · 48 months. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Southern Energy Credit Union lend?
Southern Energy Credit Union lends in Alabama only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Southern Energy Credit Union's New auto loan · 48 months rate compare nationally?
Southern Energy Credit Union publishes New auto loan · 48 months at 4.5%. The national median for that product is 4.99% across 201 lenders in LoanMate.ai's October 21, 2026 dataset, so Southern Energy Credit Union is 0.49 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.