Southern Energy Credit Union2220 Montgomery Hwy, Dothan, AL

Dothan, AL
(334) 793-7226
NCUA Insured

About Southern Energy

This branch of Southern Energy is located at 2220 Montgomery Hwy in Dothan, Alabama, and can be reached at (334) 793-7226. Southern Energy is a federally insured financial cooperative serving the Dothan, Alabama community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in Dothan or review your personal loan options.

Not-for-Profit

Profits are returned to members via better rates & lower fees.

Community Focus

Local decision making and support for the Dothan area.

Key Member Benefits

  • First-Time Homebuyer Program

    Special mortgage programs with lower down payments or rate assistance to help you buy your first home.

  • Low-Cost Wire Transfers

    Affordable wire transfer services, making it easier to send money domestically or internationally.

  • Free Checking

    No-cost share draft accounts (checking) with no monthly maintenance fees.

Location & Branch Hours

Visit Branch

2220 Montgomery Hwy

Dothan, AL 36303-3200

Need Funds Before You Join?

How to Join

Membership at Southern Energy is typically open to individuals who live, work, worship, or attend school in Dothan and surrounding areas.

Standard Requirements:

  • Valid Government ID (Driver's License, Passport)
  • Social Security Number (SSN)
  • Proof of Address (Utility bill, Lease)
  • Small opening deposit (Usually $5 - $25)

We recommend contacting the branch at (334) 793-7226 to confirm your eligibility before visiting.

Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.

Services and Loan Types

Like most credit unions, Southern Energy typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:

Loans & Credit

  • Personal Loans: Unsecured loans for debt consolidation or emergencies.
  • Auto Loans: Financing for new and used vehicles.
  • Home Loans: Mortgages and Home Equity (HELOC).
  • Credit Cards: Low-rate Visa/Mastercard options.

Banking & Savings

  • Checking Accounts: Often free with no minimum balance.
  • Savings Accounts: Share accounts with dividends.
  • CDs & IRAs: Long-term savings options.
  • Online Banking: Mobile app and remote deposit.

Verified Branch Services

ATM

Frequently Asked Questions

Is Southern Energy federally insured?

Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.

Who can join this credit union?

Field of membership typically includes residents of Dothan, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.

Other Southern Energy Locations

27 additional branches in 3 states

AlabamaCurrent State

19 locations

244 Dexter Ave

94 mi away(334) 832-3822
Southern Energy Credit Union in Clanton, ALClosed

1872 7th St S

128 mi away(205) 280-0366
Southern Energy Credit Union in Chelsea, ALClosed

370 Chelsea Crossroads

162 mi away(205) 678-8406
Southern Energy Credit Union in Pelham, ALClosed

301 Huntley Pkwy

162 mi away(205) 664-7421

6400 Tattersall Park Dr

168 mi away(205) 547-9400
Southern Energy Credit Union in Hoover, ALClosed

4725 Chace Cir

168 mi away(205) 823-7403

3535 Colonnade Pkwy

170 mi away(205) 992-5030

600 18th St N

177 mi away(205) 257-3601
Southern Energy Credit Union in Birmingham, ALMain OfficeClosed

750 17th St N

177 mi away(205) 226-6800
Southern Energy Credit Union in Hueytown, ALClosed

2901 Allison Bonnett Memorial Dr

178 mi away(205) 257-3905

151 Main St

178 mi away(205) 661-2715

630 15th St

184 mi away(205) 345-6550

915 Queen City Ave

185 mi away(205) 722-7300

949 Main St

185 mi away(205) 598-8300

Mississippi

1 location

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If Southern Energy Credit Union isn't the right fit

To borrow from Southern Energy Credit Union you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can apply online with lenders serving Alabama. Applying is quick, and funds may be available quickly after approval.

Approval, amount, and terms depend on the lender and your creditworthiness. Loans are not available in all states.