Since FBEMC is a nonprofit organization, any money left over after paying expenses in a given year is credited to each member’s capital credit account, in proportion to the amount of electricity they purchased in that year. Capital Credits represent member equity or owner-ship in FBEMC. This money is reinvested into the electrical system and when finances allow it may be payed back to members. Click HERE to read more about how they are calculated and how refunds are re-paid.