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Capital Credits

As a not-for-profit cooperative, Central Georgia EMC returns margins to its members through capital credits. It’s one of the many benefits of belonging to a member-owned cooperative.

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What are capital credits?

Capital Credits represent your share of ownership in the Cooperative.  Because Central Georgia EMC is member-owned, any money left over after operating expenses (called margins) belongs to the members-not outside investors.

Each year, those margins are assigned to members as capital credits based on how much electricity each member uses during the year.

 

How are capital credits used?

Capital credits are reinvested in the Cooperative to keep your electric service reliable. They help pay for things like:

  • Day-to-day operations
  • Required financial reserves
  • Storm repairs
  • Upgrading power lines
  • Replacing equipment
  • Preparing for unexpected needs

This reinvestment helps Central Georgia EMC continue providing safe, dependable electricity at the lowest possible cost.

 

When are capital credits paid out?

The Board of Directors decides when capital credits can be returned to members. This decision is based on the Cooperative's financial health and follows board policy and regulations.  When approved, capital credit payments are typically mailed to members in December.