Capital Credits
PrintLearn how capital credits work, find early retirement information and forms, or check for unclaimed capital credit payments.
About Capital Credits
Learn how capital credits are allocated, why they are not immediately paid, how retirements are determined, and how payments are distributed.
Early Retirement Options
Northern Lights allows discounted early retirement of capital credits in certain circumstances. Choose the option that applies to you.
Estate
Request discounted early retirement of capital credits associated with the estate of a deceased member.
Surviving Spouse
Request discounted early retirement of capital credits available to an eligible surviving spouse.
Age 80+
Eligible members age 80 or older may request discounted early retirement of their capital credits.
Unclaimed Capital Credits
If a capital credit payment could not be delivered, it may appear on Northern Lights’ current list of members and former members with unclaimed capital credits.
