When you pay your bill each month, you are earning equity in the cooperative. Unlike electric utilities that generate margins on behalf of investors and shareholders, CCEC returns the margins earned to you, co-op members.
At the close of each fiscal year, all revenue received in excess of expenses (margins) is allocated to members in the form of capital credits. The 2025 margins – $1,840,307.65 – have been allocated to 48,423 members’ capital credit accounts based on the amount of electricity each member used during the year.
Capital credits are a tangible benefit of belonging to an electric co-op. Those funds are held for several years and are used to fund capital needs for items such as power line construction, transformers, trucks, inventory and other equipment, helping keep rates affordable by reducing the need for borrowing.
A percentage of your capital credits are returned to you after the Board of Directors reviews the co-op’s financial health and declares a retirement of a portion of capital credits, typically in September.