Skip to main navigation.

Capital Credit Checks


Because HEMC is a cooperative and has a non-profit status, any funds taken in above the cost of providing electric service are returned to the members in the form of capital credits.


  • These margins are assigned to an account for each member at the end of the year.
  • The amount will vary from member to member, depending upon the amount of electricity purchased.
  • Capital credits are returned to the Members at a later date in the form of a capital credit retirement check.
  • Capital credits are only returned to members. If you have an electrical service account in your name, you are a member of HEMC. Trailwave subscribers and PowerGuard Security customers do not receive capital credits unless they have electrical service through HEMC.



In compliance with O.C.G.A. 44-12-236 of the Disposition of Unclaimed Property Act, Habersham EMC attempts to locate former members whose capital credit checks were returned by the U.S. Post Office as “undeliverable” or have otherwise been unclaimed. After five years, the unclaimed capital credits are disposed of according to Georgia House Bill 431.


2013 Unclaimed Capital Credits List



Powered by Touchstone Energy Cooperatives Logo