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4,045 banks and credit unions, each fee beside the state and U.S. medians.

Credit Union · Birmingham, AL

Southern Energy Federal Credit Union

Compared with Alabama medians

0 of 5

main fees above the median

3 below, 2 about the same

See the account terms All 32 fees

Its main fees against Alabama and the U.S.

Overdraft (OD)$20 to $25depending on accountAL median $30 (audience not stated, treated as personal)56 in ALU.S. median $30 (audience not stated, treated as personal)2,605 in U.S.vs AL median -$5Compared at $25, the highest of its prices

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NSF / Returned Item$25$3058 in AL$302,856 in U.S.-$5

U.S.

Alabama banks and credit unions, 58 institutions: median $30 (audience not stated, treated as personal), middle 50% $28 to $33.

U.S. banks and credit unions, 2,856 institutions: median $30 (audience not stated, treated as personal), middle 50% $25 to $32.

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Non-Network ATM$1$130 in AL$1.501,649 in U.S.About the same

U.S.

Alabama banks and credit unions, 30 institutions: median $1 (audience not stated, treated as personal), middle 50% $1 to $2.

U.S. banks and credit unions, 1,649 institutions: median $1.50 (audience not stated, treated as personal), middle 50% $1 to $2.

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Wire Transfer (Domestic Out)$20$2039 in AL$252,628 in U.S.About the same

U.S.

Alabama banks and credit unions, 39 institutions: median $20 (audience not stated, treated as personal), middle 50% $15 to $25.

U.S. banks and credit unions, 2,628 institutions: median $25 (audience not stated, treated as personal), middle 50% $20 to $25.

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Stop Payment$25$3067 in AL$27.503,348 in U.S.-$5

U.S.

Alabama banks and credit unions, 67 institutions: median $30 (audience not stated, treated as personal), middle 50% $25 to $32.75.

U.S. banks and credit unions, 3,348 institutions: median $27.50 (audience not stated, treated as personal), middle 50% $20 to $30.

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Source: Southern Energy Federal Credit Union's own published fee schedule, collected Oct 31, 2026. State medians count every bank and credit union headquartered in Alabama that publishes the fee, the group the Alabama page and this institution's profile use. U.S. medians count every U.S. bank and credit union that publishes it. A median needs at least 5 institutions. Medians as of Nov 2, 2026. Methodology