Southern Energy Federal Credit Union

Headquarters: Birmingham, Alabama
Charter: Credit Union
Assets: $3.6B
Fed district: Atlanta

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 31, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Compared at $25, its standard fee, the highest of its prices
Southern Energy Federal Credit Union: $20 to $25
Southern Energy Federal Credit Union: $20 to $25
U.S. median: no median
NSF / Returned Item
Southern Energy Federal Credit Union: $25
Southern Energy Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Southern Energy Federal Credit Union: $1
Southern Energy Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Alabama: Banks and credit unions headquartered in Alabama that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Southern Energy Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Main Share - Minimum Balance Fee$2.50
per month
Minimum Balance$2.50
per month
Money Market - Minimum Balance Fee$10
per month
Escheat Processing Fee$25
Inactive Checking$5
per month
Inactive Main Share$5
per month
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $20.00/Hour (1 hour minimum)
Main Share and Money Market - Excessive Withdrawal Fee$3
Not compared: Monthly charge, not per item
per month
Invalid Address Fee$5
per month

Overdraft & NSF

ACH Overdraft$25
per item
Check Overdraft$25
per item
Debit Card Overdraft$25
per item
Standard Overdraft fee$20
per item
Insufficient Funds (NSF)$25
per item
Overdraft Transfer Fee$1.50
per item

ATM & Card

Atm fee (per ATM transaction in excess of six during a calendar month)$1
ATM Transaction$1
per item
Debit Card Replacement$5
per item
Debit Card Rush Order$25
per item

Wire Transfers

Wire Transfer (Outgoing): Domestic$20
per item
Wire Transfer (Outgoing): International$50
per item

Check Services

Cashier’s Check$2
per item
Certified Check$2
per item
Stop Payment$25
per item
Counter Checks$2
per item
Non-Member Check Cashing Fee$10
per item
Foreign Item Collection Fee$25
per item
Check Copy Fee$2
per item

Digital & Electronic

ACH Returned/Uncollected Fee$25
per item

Cash & Deposit

Deposit Item Return$15
per item

Account Services

Garnishment, Levy, Lien, or Judgement$50
per item

Other Fees

Statement Copy$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Main Share - Minimum Balance Fee	$2.50	per month	None
Minimum Balance	$2.50	per month	None
Money Market - Minimum Balance Fee	$10	per month	None
Escheat Processing Fee	$25	Not stated	None
Inactive Checking	$5	per month	None
Inactive Main Share	$5	per month	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $20.00/Hour (1 hour minimum)
Main Share and Money Market - Excessive Withdrawal Fee	$3Not compared: Monthly charge, not per item	per month	None
Invalid Address Fee	$5	per month	None
Overdraft & NSF
ACH Overdraft	$25	per item	None
Check Overdraft	$25	per item	None
Debit Card Overdraft	$25	per item	None
Standard Overdraft fee	$20	per item	None
Insufficient Funds (NSF)	$25	per item	None
Overdraft Transfer Fee	$1.50	per item	None
ATM & Card
Atm fee (per ATM transaction in excess of six during a calendar month)	$1	Not stated	None
ATM Transaction	$1	per item	None
Debit Card Replacement	$5	per item	None
Debit Card Rush Order	$25	per item	None
Wire Transfers
Wire Transfer (Outgoing): Domestic	$20	per item	None
Wire Transfer (Outgoing): International	$50	per item	None
Check Services
Cashier’s Check	$2	per item	None
Certified Check	$2	per item	None
Stop Payment	$25	per item	None
Counter Checks	$2	per item	None
Non-Member Check Cashing Fee	$10	per item	None
Foreign Item Collection Fee	$25	per item	None
Check Copy Fee	$2	per item	None
Digital & Electronic
ACH Returned/Uncollected Fee	$25	per item	None
Cash & Deposit
Deposit Item Return	$15	per item	None
Account Services
Garnishment, Levy, Lien, or Judgement	$50	per item	None
Other Fees
Statement Copy	$3	per item	None

Correct a fee source

Oct 31, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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