Kick off 2026 by cutting your interest costs and making real progress on your financial goals. Move your high-interest credit card balance to a Southern Energy Visa® Rewards Credit Card and benefit from lower rates and enhanced rewards with no annual fee. It’s a simple step to take charge of your credit and your finances this year.
January 2, 2026, through March 31, 2026 you will have the opportunity to transfer your high-interest credit card debt from another financial institution or credit card provider to a Southern Energy Visa® Rewards Credit Card. Eligible applicants will receive a special, low 1.99% APR on all balance transfers.
The 1.99% balance transfer interest rate is good for six months, giving you the opportunity to pay off that debt at a MUCH lower interest rate than your current credit card offers. Paying off that debt at 1.99% versus your current interest rate could save you hundreds of dollars or more in interest!
Everyone gets the same balance transfer rate option. Plus, we don’t charge a balance transfer fee when other financial institutions charge an average of 3%. If you do not pay off the balance transfer within six months at the special 1.99% APR, your standard APR will be applied to the remaining balance, based on your creditworthiness.*
The balance transfer option is available to all eligible Southern Energy Credit Union members. If you already have a Southern Energy Visa® Rewards Credit Card, simply contact us to set up the balance transfer from your other credit card provider.
Don’t have a Southern Energy Visa® Rewards Credit Card yet? Contact us to apply, or apply in Mobile or Online Banking by choosing “Apply for a Loan” from the main menu, and then selecting “Credit Card” from the options. Once your account is approved, we will help you set up your balance transfer.
After the six-month balance transfer promotion ends, your Southern Energy Visa will continue to save you money. The Southern Energy Visa® Rewards Credit Card makes every purchase count – with enhanced rewards, digital wallet compatibility, and complete card control within Online Banking or our Mobile Banking App – all with no annual fee. You’ll earn 1.75% points for every $1.00 spent, and you choose how to use your rewards through uChoose Rewards®. Click the button below to learn more about the Southern Energy Visa® Rewards Credit Card.
Credit Card Details
Ready to apply for a Southern Energy Visa Rewards Credit Card?
Southern Energy members can apply for a Southern Energy Visa Rewards Credit Card with a few easy steps:
Simply log in to your Credit Union’s Online or Mobile Banking and choose “Apply for a Loan” from the main menu. You’ll choose Credit Card from the list of options and it’s that easy!
For added convenience, new Southern Energy Visa Rewards Credit Cards can be picked up upon application approval at many branch locations.
Not a Southern Energy member yet?
Click here to learn how you can join!
If you have any questions, you may contact us, or you may call our Contact Center at 205-226-6800 or 1-800-249-2726.
*Terms and conditions apply. Contact us for more details. APR=Annual Percentage Rate. Must meet membership and credit requirements. The promotional rate will convert to your standard rate at the end of the six (6) month promotional period. Offer good on balance transfers only. Offer applies to non-Southern Energy Credit Union Card balance transfers only. Offer valid 1/2/26 through 3/31/26. For terms and conditions, see a Southern Energy Credit Union loan officer. Your savings is federally insured to at least $250,000 and backed by the full faith of the United States Government. NCUA, National Credit Union Administration, a U.S. Government Agency. Equal Housing Opportunity Lender.
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