Outages & Safety. Outage Center. Safety Information. Downed Power Lines. Backup & Standby Generators. Trees. Call Before You Dig. When you're Away. Electrical Equipment on Your Property. Allocated capital credit funds are returned to members at a later date. Capital credit funds are retained for a period of time for long-term improvements and maintenance of the Co-op equipment, to ensure reliable service. This keeps rates lower by offsetting the need for the Cooperative to borrow funds. As financial conditions allow, capital ...The use of Flathead Electric Cooperative’s Community Room is available to member organizations and clubs that are noncommercial in nature, for meetings, hearings, trainings, etc., provided that the event is free of charge and there are no goods, services or gifts being solicited. The Community Room is not available for …2024 Flathead Electric Co-op Scholarships. Ends on Sun, Feb 25, 2024 11:00 PM. 2024 Flathead Electric Co-op Scholarships Guidelines. Submit. Flathead Electric Co-op. Flathead Electric Co-op Submission Manager Powered By Submittable - Accept and Curate Digital Content.Pay your Flathead Electric Cooperative bill online with doxo, Pay with a credit card, debit card, or direct from your bank account. doxo is the simple, protected way to pay your bills with a single account and accomplish your financial goals. Manage all your bills, get payment due date reminders and schedule automatic payments from a …Print. Urgent Threats to Future Power Supply. November 29, 2023 at 4:07 p.m. Breaking news regarding the future of your federal hydropower resources. The federal hydro dams in the northwest supply Flathead Electric Cooperative with the reliable, carbon-free electricity our area relies on to power our community’s …Jan 26, 2024 · With the My Co-op app, Flathead Electric Cooperative members get account management at their fingertips. View usage and billing, manage payments, notify member service of account and service issues and receive special messaging from Flathead Electric Cooperative. Quickly view your current account balance and due date, manage recurring payments ... Flathead Electric Cooperative wants to provide information to help you, our member-owners, make the best decisions and investments to power your home and business. Our energy advisors are available to assist you with your electricity needs. Whether you are considering solar panels, a backup generator, or purchasing an electric vehicle, call us ...Our local electric grid is an integral part of the system stretching through the Columbia River Basin. The Hungry Horse Dam is one of 31 interconnected Federal Columbia River Power System (FCRPS) dams in the Columbia River Basin and is the highest on the system. Hungry Horse has a capacity of 428 megawatts and provides …About Flathead Electric Cooperative Flathead Electric Cooperative, Inc, was established to bring electric service to rural areas of the Flathead Valley. Since 1937, our cooperative has grown from a small company serving a handful of rural homes and farms to a multimillion-dollar business with a mix of rural and urban …Winners will be announced October 10th. Flathead Electric Cooperative encourages members to participate in our annual member survey. Your feedback is very important in helping us provide the best possible service to all members. The 2023 Member Survey is now closed. Please check back again next year!If they determine that it is financially sound, the Trustees discuss the general retirement of capital credits. This year, the Board determined that your Co-op is financially sound and elected to retire a percentage of the capital credits allocated to member accounts in 2008 and 2009. That means about $3,073,00 from 2008 and 2009’s unretired ...2024 Trustee Election 3 seats on Flathead Electric Co-op (FEC)’s Board of Trustees are up for election in 2024. Trustee seats up for election are currently held by: Jake Van Houten – District #2 (Lower Valley, Lakeside, Creston, Rollins, Cooke City) Gary Carmichael – District #3 (Whitefish, Big Mountain) Alan Ruby – District #5 (Kalispell, Gary Boe is the current President of the Board of Trustees for Flathead Electric Cooperative, Montana’s largest electric cooperative serving over 57,000 members in Northwest Montana. With an extensive background in insurance and a deep understanding of the unique challenges faced by electric cooperatives, Gary is …Print. Urgent Threats to Future Power Supply. November 29, 2023 at 4:07 p.m. Breaking news regarding the future of your federal hydropower resources. The federal hydro dams in the northwest supply Flathead Electric Cooperative with the reliable, carbon-free electricity our area relies on to power our community’s …Power outage in Siletz, Oregon? Contact your local utility company. Power Outage in Nice, California (CA). Strong winds and heavy snow may impact electrical ...Flathead Electric Cooperative, Montana · Harney Electric Cooperative, Oregon · Hood River Electric & Internet Co-op, Oregon · Idaho County Light & Powe...Our Community. Roundup for Safety. Donation or Sponsorship Request. Innovative Projects. Youth Programs. Ribeye Raffle. Community Room Use Request. Member Photo Calendar. Co-op Community Spotlight Radio Show.This calculator is for residential single phase service only. If you have a three phase service, add $12.57 to the basic charge. Cooke City members are not subject to the residential demand charge. How to use the calculator: Use any of your FEC bills issued between March 2022 and May 2023. Find your kWh usage and kW Demand listed on your bill ... This calculator is for residential single phase service only. If you have a three phase service, add $12.57 to the basic charge. Cooke City members are not subject to the residential demand charge. How to use the calculator: Use any of your FEC bills issued between March 2022 and May 2023. Find your kWh usage and kW Demand listed on your bill ... January 26, 2024 at 4:49 p.m. What Your Co-op Is Reading is your go-to source for the latest energy industry news. Each month, staff at your Co-op curates a selection of articles that impact your member-owned electric utility. From innovations in energy production and grid management to updates on regulatory changes and energy efficiency tips ...About Flathead Electric Cooperative Flathead Electric Cooperative, Inc, was established to bring electric service to rural areas of the Flathead Valley. Since 1937, our cooperative has grown from a small company serving a handful of rural homes and farms to a multimillion-dollar business with a mix of rural and urban …Flathead Electric Cooperative produces an annual calendar featuring photos of our area taken by Co-op members. Calendars are available for members at Co-op offices each November. Photos submitted should depict wildlife, scenery, people, activities, or anything that represents our unique lifestyle and special corner of …Flathead Electric Cooperative’s success with a landfill gas-to-energy project developed in 2009 has prompted expansion of the facility, doubling its capacity. (Photo By: Flathead EC) For more than a decade, members of Flathead Electric Cooperative have benefited from their own household waste as a … Because managing your electric account shouldn’t be a hassle. Flathead Electric Cooperative offers online account access to give members the power to manage their account 24/7 from their device. Setting up your online account is fast and easy! Follow the steps below, or call us at (406) 751-4483 during business hours if you need assistance. Understanding Your Electricity Usage; Your Electricity Choices; Our Community. Roundup for Safety; Donation or Sponsorship Request; Youth Programs & Scholarships; Ribeye Raffle; Community Room Use Request; Member Photo Calendar; Co-op Community Spotlight Radio Show; Community Solar; Innovative Projects; About My Co-op. How We … Outages & Safety. Outage Center. Safety Information. Downed Power Lines. Backup & Standby Generators. Trees. Call Before You Dig. When you're Away. Electrical Equipment on Your Property. Jan 26, 2024 · January 26, 2024 at 4:49 p.m. What Your Co-op Is Reading is your go-to source for the latest energy industry news. Each month, staff at your Co-op curates a selection of articles that impact your member-owned electric utility. From innovations in energy production and grid management to updates on regulatory changes and energy efficiency tips ... Energy Services. (406) 751-5291. Email Teri. When installed and programmed correctly, the right thermostat can save energy and help lower electrical demand. For members with electric heat, Flathead Electric Co-op offers rebates on the purchase of smart thermostats and line voltage thermostats. To be eligible for a rebate, the installed ... Jan 9, 2023 · The Flathead Electric Cooperative announced an expansion of their gas-to-energy plant.The biomass project at the county landfill was created in 2009 through a c. Flathead Electric Cooperative, Inc. employs 78 employees. The Flathead Electric Cooperative, Inc. management team includes Mark Johnson (General Manager), Katie Pfennigs (Community Relations Manager), and BJ Hattel (IT Manager). Get Contact Info for All DepartmentsYour home's electrical panel is the place where all of the electricity is distributed throughout your home. If you are having issues with an electric receptacle somewhere in your h...OpenIdLogin Application is a portal to access your Flathead Electric Cooperative online account, where you can manage your energy services, payments, and preferences. To log in, you need to provide your email and password, or use a third-party provider such as Facebook or Google. Flathead Electric Cooperative released the following information: If you are a local high school senior planning to attend college or are a student continuing an undergraduate education, Flathead ...Do. Do notify the Co-op right away by calling or texting ISSUE to (406) 751-4449. Do stay far away from it (10 feet or more) Do wait for our crews to arrive on scene. Always treat power lines as if they are extremely hazardous.Oct 31, 2023 · Flathead Valley GIS Day will be held at Flathead Electric Cooperative’s Community Room from 10 a.m. to noon on Wednesday, November 15. Presentations on local GIS projects that impact the Flathead Valley are scheduled from 10:30-11:30 a.m. Although the free event is aimed at GIS pros, members of the public interested in the field of GIS work ... Flathead Electric Coop is the largest electric cooperative in Montana and provides reliable and affordable energy services to its members. As a customer of Flathead Electric Coop, it is important to understand the different services provided by the company and how to access them. In this article, we provide an overviewFlathead Electric Co-op 101 Our Mission The mission of Flathead Electric, a not-for-profit, member-owned cooperative, is to provide competitive and reliable services, achieve the highest level of member satisfaction, and enhance the quality of life in our communities. Our Co-op By the Numbers – Updated July 2022 Founded in 1937 – Celebrating 85 Years inThe system supports the following prompts when texted to (406) 751-4449: Text OUT to report a power outage. Text STATUS to request a current outage status. Text ISSUE to report a different issue with our electric equipment that’s not causing a power outage, such as a power blink or damaged electrical equipment. Save Energy & Money: Install a ductless Heat Pump and use 25% to 50% less energy to heat your home. Have a More Comfortable Home: An ultra-quiet fan evenly circulates air throughout the room (s) eliminating hot and cold spots. Low-Cost Easy Installation: Installation is quick, simple and inexpensive, which means little or no disruption to your ...HOSHIZAKI ELECTRIC News: This is the News-site for the company HOSHIZAKI ELECTRIC on Markets Insider Indices Commodities Currencies StocksCompared to gas models, relatively few electric riding lawn mowers are available to choose from, but with a little research you can still find a riding Expert Advice On Improving Y...Aug 31, 2023 ... A fifth-generation Montanan, Steve Daines brings 28 years of private-sector business experience to Washington, D.C. as he serves the people ...By Flathead Electric Cooperative Community. Innovation. Reliability. Kalispell Office. 2510 U.S. Highway 2 East Kalispell, MT 59901. Directions to Kalispell Office. Libby Office. 120 West 5th Street, Suite 6 Libby, MT 59923. Directions to Libby Office. Office Hours.Jan 26, 2024 · With the My Co-op app, Flathead Electric Cooperative members get account management at their fingertips. View usage and billing, manage payments, notify member service of account and service issues and receive special messaging from Flathead Electric Cooperative. Quickly view your current account balance and due date, manage recurring payments ... Flathead Electric Cooperative’s residential demand charge collects costs more accurately and fairly from residential members because your Co-op pays a premium for power used during peak hours. It also gives members more control over their power bill because they can reduce their demand by shifting usage to off-peak hours. Nov 3, 2023 ... Job Posting for Accountant at Flathead Electric Cooperative · Accountant · Reports to: Financial Accounting Supervisor · FLSA Status: Exempt.Flathead Electric Co-op 101 Our Mission The mission of Flathead Electric, a not-for-profit, member-owned cooperative, is to provide competitive and reliable services, achieve the highest level of member satisfaction, and enhance the quality of life in our communities. Our Co-op By the Numbers – Updated July 2022 Founded in 1937 – Celebrating 85 Years inEngineers are finding the best way to generate electricity from kites may be underwater. The physics of wind power favor two things: turbine size and wind strength. The bigger the ...2024 Trustee Election 3 seats on Flathead Electric Co-op (FEC)’s Board of Trustees are up for election in 2024. Trustee seats up for election are currently held by: Jake Van Houten – District #2 (Lower Valley, Lakeside, Creston, Rollins, Cooke City) Gary Carmichael – District #3 (Whitefish, Big Mountain) Alan Ruby – District #5 (Kalispell,Meet Your Energy Advisors. Your Electricity Choices. Backup & Standby Generators. Electric Vehicles. Solar, Wind & Batteries. Share. Print. Systems for Your Home or Business. Renewable Energy Program.May 12, 2022 · Flathead Electric Cooperative is pleased to announce its 2022 Scholarship Program recipients. A total of $117,000 – funded by unclaimed capital credits – was awarded to local students this year. Scholarship awards range in value from $1,500 to $6,000 each. Jan 23, 2017 · With the My Co-op app, Flathead Electric Cooperative members get account management at their fingertips. View usage and billing, manage payments, notify member service of account and service ... Electric resistance heat (e.g. baseboards, cadet heaters) as your primary heat source: $3,000: Electric forced air furnace: $3,000: An existing ducted air source heat pump: $3,000: Any non-electric furnace: $3,000: Ductless heat pump: $3,000: Ground source heat pump (upgrade) $500: New construction: $3,000Other benefits: Your monthly bill will highlight your estimated savings from the EV Charging Assistant program – likely up to $25 each month, depending on the size of your battery and how you charge. The EV Charging Assistant will optimize charging for your EV’s battery, which is likely to extend its life cycle. Request to Participate.Long before the desktop computer became the must-have business machine, the electric typewriter was conceived by a number of inventors as an improvement on the manual machine that ...OpenIdLogin Application is a portal to access your Flathead Electric Cooperative online account, where you can manage your energy services, payments, and preferences. To … Print. Outage Updates. Is your power out? If it’s not already on our Outage Map, please report it via your online account, mobile app, or by calling (406) 751-4449. The Roundup for Safety Board of Directors is independent from the Co-op. It evaluates all applications and award grants. The Directors typically meet at the Co-op on the second Thursday of each month at 7 p.m. The meeting is subject to change to accommodate schedules, so if you are planning to attend, it’s best to call ahead at (406) 751-4483.Featured Speakers & Business Meeting, 5:30 – 6:15 p.m. Mark Johnson, General Manager of Flathead Electric Cooperative, and Patrick Barkey, Director of the University of Montana’s Bureau of Business and Economic Research, will discuss the state of the electric industry and specific issues impacting your Co-op and the greater Flathead Valley.Flathead Electric - FacebookFollow Flathead Electric on Facebook to get the latest news, updates and tips on energy efficiency and safety. Are you looking to start your own backyard chicken coop? There’s something truly rewarding about raising your own flock of chickens and enjoying the fresh eggs they produce. One of... Walk-in: Kalispell office at 2510 US Highway 2 East. Libby office is located at 120 West 5th Street, Suite 6. Call-in: Call us at (800) 735-8489, in Kalispell at (406) 751-4483, or in Libby at (406) 293-7122, and speak with one of our Member Service Representatives. Online: Complete the online membership application below. Do. Do notify the Co-op right away by calling or texting ISSUE to (406) 751-4449. Do stay far away from it (10 feet or more) Do wait for our crews to arrive on scene. Always treat power lines as if they are extremely hazardous.Jun 7, 2023 · Flathead Electric Cooperative Inc. wants your new construction experience to be safe and enjoyable. We are continually looking to improve our processes for you. Our office staff is available by phone Monday through Friday 8 a.m. to 5 p.m., so please don’t hesitate to call with questions or comments. We provide this handbook to our members to ... All utilities are mandated by the federal government to require a credit check through your Social Security number. This soft utility credit report does not affect your credit score, but will help us determine if a deposit is required.As an Equal Opportunity Employer, Flathead Electric Cooperative is committed to hiring the top talent to serve as a team member. We will provide a reasonable accommodation to any person with a disability that is seeking employment with the Cooperative. If you would like to apply for a job and need an accommodation or special assistance, please ... Flathead Electric - FacebookFollow Flathead Electric on Facebook to get the latest news, updates and tips on energy efficiency and safety.Sep 30, 2022 ... Flathead Electric Cooperative's Libby office is located at 130 W. 5th St. in the former Lincoln County Credit Union.Flathead Electric Cooperative would like to locate former members who have unclaimed capital credits on file. Please search for your name or business using the unclaimed capital credits lookup tool below. If you have unclaimed capital credits please provide a current address to receive a refund. If you or someone you know is on theIn your Coop’s service territory, trees are pruned or removed on a rotating schedule. Flathead Electric Cooperative’s entire power system is on an approximate ten-year maintenance cycle. To protect the 1,991 miles of overhead line, crews have a big job to do. This is in addition to responding to over 1,200 requests from our members each year. Outages & Safety. Outage Center. Safety Information. Downed Power Lines. Backup & Standby Generators. Trees. Call Before You Dig. When you're Away. Electrical Equipment on Your Property. Mar 15, 2024 ... Easy 1-Click Apply Flathead Electric Cooperative Facilities Technician Full-Time ($59051 - $72114) job opening hiring now in Kalispell, ...Dec 7, 2023 · For Flathead Electric Cooperative members, that electricity is largely generated by hydropower. Ice Harbor Dam, Lower Granite Dam, Lower Monumental Dam, and Little Goose Dam are highlighted in red on this map. Because we are in the Columbia River Basin, we rely on electricity generated by these federal hydro projects. Energy Survey. As part of a grant your Co-op received to help develop future energy programs, Flathead Electric is collecting information on how our members use energy in their homes. This information will be used by your Co-op to develop programs that can help keep your electric rates lower and will ultimately benefit all Co-op members.Flathead Electric Cooperative released the following: Flathead Electric Co-op is offering over $117,000 in scholarships to local students this year. Applications are due February 25. Graduating ...When it comes to raising chickens, having a quality chicken coop is essential. An American made chicken coop provides a number of advantages that make it the ideal choice for any p...Considering replacing your gasoline car with an electric one? We calculated the cost and the environmental impact for you. Does it really make sense to replace your gas car with an...Flathead Electric Cooperative (FEC) members are more concerned about their environmental impact than ever. Exploring new and innovative solutions to FEC’s already carbon-free hydropower supply is a priority we take seriously. For our members who have asked us what more they can do, FEC offers this Renewable Energy Program. For as …Understanding Your Electricity Usage; Your Electricity Choices; Our Community. Roundup for Safety; Donation or Sponsorship Request; Youth Programs & Scholarships; Ribeye Raffle; Community Room Use Request; Member Photo Calendar; Co-op Community Spotlight Radio Show; Community Solar; Innovative Projects; About My Co-op. How We …For a limited time, members completing the survey will be entered to win a monthly $50 bill credit.Flathead Electric Co-op 101 Our Mission The mission of Flathead Electric, a not-for-profit, member-owned cooperative, is to provide competitive and reliable services, achieve the highest level of member satisfaction, and enhance the quality of life in our communities. Our Co-op By the Numbers – Updated July 2022 Founded in 1937 – Celebrating 85 Years in Understanding Your Electricity Usage; Your Electricity Choices; Our Community. Roundup for Safety; Donation or Sponsorship Request; Youth Programs & Scholarships; Ribeye Raffle; Community Room Use Request; Member Photo Calendar; Co-op Community Spotlight Radio Show; Community Solar; Innovative …How does community solar work? Co-op members purchase panels in the Community Solar project. The sun creates energy which is captured by solar panels. Energy is transferred to Flathead Electric Cooperative’s distribution system. Panel owners receive bill credits for the energy created by their panel. BPA helps Flathead Electric during largest outage in co-op’s history. November 30, 2022 ... So when an onslaught of wet, sticky snow and high winds buffeted Flathead County and left thousands of Flathead Electric Cooperative customers without power in early November, the Kalispell crew was ready to offer emergency support to get …Our brand new Annual Meeting & Energy Expo is Thursday, April 18 at the FVCC Wachholz College Center. Annual Review, Light Reading Newsletter. March 1, 2024 at 6:15 a.m.Electricity 1,542 15.7 Kerosene 153 1.6 Candle 2,012 20.5 Battery 1,665 17.0 Generator (private) 1,118 11.4 Water mill (private) * 0.2 Solar system/energy 3,028 30.9 Other 277 …Flathead Electric Cooperative released the following information: If you are a local high school senior planning to attend college or are a student continuing an undergraduate education, Flathead ...Flathead Electric Cooperative is pleased to announce its 2022 Scholarship Program recipients. A total of $117,000 – funded by unclaimed capital credits – was awarded to local students this year. Scholarship awards range in value from $1,500 to $6,000 each. Recipients must be attending an accredited college in Montana, and they or their ...
District #9 (Libby) (406) 293-6629. A Cooperative is democracy in action. The Cooperative's member-owners elect other members to represent them on the Board of Trustees. Flathead Electric Cooperative includes nine districts, each with a representative on the Board of Trustees. The Board of Trustees is the governing body of the cooperative. . Best apps for training
Flathead Electric Cooperative is doubling its use of methane gas generation by overhauling and expanding its operations at a Montana landfill.In a perfect world (and with constant cooperation from Mother Nature), Flathead Electric Cooperative could provide power 24/7 without interruption. In reality, we come pretty close. Your Co-op typically has an “up time” of over 99% -- staff is proud to provide reliable power to our members despite the trees and storms that sometimes thwart ...Child emancipation laws in Louisiana are covered under the Louisiana Code of Civil Procedure. In order for a minor to be emancipated, the minor must be at least 16 years old, accor...How does community solar work? Co-op members purchase panels in the Community Solar project. The sun creates energy which is captured by solar panels. Energy is transferred to Flathead Electric Cooperative’s distribution system. Panel owners receive bill credits for the energy created by their panel. Aug 30, 2023 · Candidates must be members of Flathead Electric Co-op and reside in District #3, which includes the Whitefish and Big Mountain areas. According to Board Policy, a Selection Committee, consisting of three Trustees and three members at-large from District #3, will make recommendations to the Board on an interim Trustee from the submitted applications. South Central Montana Summary. (Silver Gate, Cooke City, Silvertip, Elk Basin, and other Wyoming-Montana Border service areas) Residential Service Rates. Small General …Proudly sponsored by Flathead Electric Cooperative, Co-op Community Spotlight airs Wednesdays at 8:20 a.m. on KOFI. Each week, our guests discuss upcoming events, important causes to support, and information about this community we call home. Hear the latest episodes below. Would you like to be in the spotlight? We …About Flathead Electric Cooperative Flathead Electric Cooperative, Inc, was established to bring electric service to rural areas of the Flathead Valley. Since 1937, our cooperative has grown from a small company serving a handful of rural homes and farms to a multimillion-dollar business with a mix of rural and urban …Flathead Electric - FacebookFollow Flathead Electric on Facebook to get the latest news, updates and tips on energy efficiency and safety.Primary Account Holder Electronic Signature (Full Name)(Required) If your name is on our Unclaimed Capital Credits List, you can request to have your capital credits paid out to you by completing the form below. Staff will be in touch with you to confirm your identity and initiate the payment process. Unclaimed Capital Credits Request Form. Jun 7, 2023 · Flathead Electric Cooperative Inc. wants your new construction experience to be safe and enjoyable. We are continually looking to improve our processes for you. Our office staff is available by phone Monday through Friday 8 a.m. to 5 p.m., so please don’t hesitate to call with questions or comments. We provide this handbook to our members to ... Co-op Community Spotlight Radio Show; Community Solar; Innovative Projects; About My Co-op. How We Provide Power; News from Your Co-op; How We’re Governed; What Are Capital Credits; Careers; Contact Us Online applications will be accepted through October 6, 2023, at 5 p.m. Candidates must be members of Flathead Electric Co-op and reside in District #3, which includes the Whitefish and Big Mountain areas. According to Board Policy, a Selection Committee, consisting of three Trustees and three members at-large from District #3, will …Communications & Marketing Supervisor. (406) 751-1820. Email Courtney. Application Deadline: The deadline for applications to be considered at the monthly Roundup for Safety Board meetings is the last day of the prior month. Applications submitted later than the last day of the month will be considered at the next meeting.Flathead Electric Cooperative Overview. Company Type: Cooperative. Headquarters: 2510 U.S. Highway 2 East. Kalispell, Montana 59901. United States of …OpenIdLogin Application is a portal to access your Flathead Electric Cooperative online account, where you can manage your energy services, payments, and preferences. To log in, you need to provide your email and password, or use a third-party provider such as Facebook or Google. With 48,000 members, Flathead Electric Co-op is the second largest electric utility in Montana. Yet it maintains the cooperative spirit of neighbor helping neighbor. When granted the opportunity to help consumers reduce their energy use during periods of peak demand and save money on their monthly power bills, Flathead put its members’ needs …2024 Flathead Electric Co-op Scholarships. Ends on Sun, Feb 25, 2024 11:00 PM. 2024 Flathead Electric Co-op Scholarships Guidelines. Submit. Flathead Electric Co-op. Flathead Electric Co-op Submission Manager Powered By Submittable - Accept and Curate Digital Content.Nov 16, 2023 · Allocated capital credit funds are returned to members at a later date. Capital credit funds are retained for a period of time for long-term improvements and maintenance of the Co-op equipment, to ensure reliable service. This keeps rates lower by offsetting the need for the Cooperative to borrow funds. As financial conditions allow, capital ... .