Credits

What are Capital Credits?

One of the benefits of being served by an electric cooperative like Farmers’ Electric is “capital credits.” Farmers' Electric is a non-profit, member-owned utility. As a member-owner, you have a share in the earnings. When Farmers’ Electric makes more money than it needs for operating costs, capital improvements, and cash reserves, we allocate that money to you, our member-owners, in the form of capital credits.