2025 Capital Credits – Returned Checks

CTC is organized as a cooperative owned by its members who use the service. As a non-profit cooperative, any excess income over costs is allocated back to members based on their patronage level, known as Capital Credits. These credits are essentially profits distributed back to members, and they are accumulated over time as long as members continue to receive CTC’s services. By joining the cooperative, members also have a say in electing representatives to oversee its operation through the Board of Directors, making cooperatives a unique business model where everyone has a stake in their success.

If you see your name on this list, please give us a call at 218-454-1234 to update your address and claim your check.