Southern Energy Credit Union, headquartered in Birmingham, Alabama, is the second-largest credit union in Alabama and the largest state-chartered credit union in the state. Founded in 1953 as APCO Employees Credit Union, it rebranded in 2025 following mergers with Powerco Federal Credit Union and Mutual Savings Credit Union. The institution serves over 90,000 members through 28 branches across Alabama, Georgia, and Mississippi, with over $3.5 billion in assets.

L&N Credit Union is a federally chartered credit union based in Birmingham, Alabama. It serves members primarily in the Birmingham area and surrounding regions. The credit union provides standard financial services including savings accounts, loans, and other member-focused products.

Alabama Central Credit Union is a federally chartered credit union serving members in the Birmingham, Alabama area. The institution provides financial services including savings accounts, loans, and other member benefits typical of community credit unions.