Capital Credits represent an important source of financing for GCEA. GCEA retains Capital Credits as working capital to keep GCEA financially sound, to retire debt, and to build equity. The amount of Capital Credits to be refunded is determined by the board of directors taking into consideration the general financial well-being of the association. Capital Credits may only be refunded when they can be done so in compliance with GCEA's mortgage requirements.
Since GCEA began retiring Capital Credits in 1988 it has returned more than $9.7 million to its members. In December 2020, GCEA retired $927,000 to members who were on service in any of the following years: 1993, 1994, 1995, and 1996.