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    Credit union mortgage rates
    Home state: Alabama
    Lends in 1 state

    SOUTHERN ENERGY mortgage rates

    SOUTHERN ENERGY's lowest publicly advertised 30-year fixed rate today is 6.823% APR — the national average is 7.147%. That's about $31,314 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read SOUTHERN ENERGY's rates every weekday, starting around 11 a.m. Central.

    We last read SOUTHERN ENERGY's rates page on Nov 2, 2026.

    Today's rates from SOUTHERN ENERGY

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%6.823%0Nov 2, 2026Visit
    20 Year Fixed6.25%6.343%0Nov 2, 2026Visit
    15 Year Fixed6%6.116%0Nov 2, 2026Visit
    10 Year Fixed5.75%5.914%0Nov 2, 2026Visit
    7 Year Fixed5.25%5.474%0Nov 2, 2026Visit
    5 Year ARM5.25%6.38%0Nov 2, 2026Visit
    7 Year ARM5.5%6.302%0Nov 2, 2026Visit
    Visit SOUTHERN ENERGY's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join SOUTHERN ENERGY

    Membership is open to employees and retirees of Alabama Power, Georgia Power, Mississippi Power, Southern Nuclear, and other Southern Company affiliates. Family members of current credit union members are also eligible to join.

    Employer
    Alabama Power Company, Georgia Power, Mississippi Power, Southern Company Services, Southern Nuclear

    Where SOUTHERN ENERGY writes mortgages

    SOUTHERN ENERGY publishes mortgage lending in 1 state.

    Alabama

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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