What are Capital Credits?

South Central Indiana REMC is a not-for-profit, member-owned cooperative. Capital credits are what set Cooperatives apart from Investor-Owned Utilities (IOUs). While IOUs try to earn profits to give back to their investors, Cooperatives work hard to provide their electric service as close to cost as possible. Any margins, revenues fewer expenses at the end of the year are allocated to our Member-Owners in the form of Capital Credits.