If you receive service from Heartland, you are eligible to receive capital credits, as part of your membership agreement. Members of the Heartland Board of Directors want the capital credit retirement to be timely for all members. The current retirement plan is often referred to as "first in, first out" and "last in, first out" meaning both longtime members and new members receive checks. As a result, new and longtime members are eligible to share in the benefits of Capital Credit retirements.
