Capital Credits

Escambia River Electric is a not-for-profit Cooperative that belongs to its member/owners who make an investment in the cooperative each time they pay an electric bill. If revenues exceed expenses, the cooperative has earned margins. These margins are distributed back to the members in the form of capital credits.

Capital credits are added to each member’s capital credit account, and are retained by Escambia River Electric Cooperative for a period of time to finance the electrical infrastructure needed to serve members. This keeps rates lower by offsetting the need for the cooperative to borrow funds. One of the benefits of being a member/owner is that, as financial conditions allow, Escambia River Electric Cooperative’s Board of Trustees retires those capital credits in the form of checks to current and prior members.

Because capital credits may not be retired for several years, it is important that you keep the cooperative informed of your current address.


Escambia River Electric Cooperative would like to locate former members who have unclaimed capital credits on file. If you believe you may have unclaimed capital credits please call 850-675-4521 or 1-800-238-3848 for verification and to provide a current mailing address to receive any due refunds.