Capital Credits (sometimes referred to as patronage) are just one of the many benefits of your telephone cooperative association membership. Capital Credits are the amount of money left over at the end of a business year once all the operating expenses have been paid (generally referred to as profits). The remaining money is allocated to the members of the cooperative in proportion to the total amount of goods and services purchased by the member for that year. Members begin accumulating patronage capital with their first purchase of services and goods from the cooperative.
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