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Equity Withdrawl Form in PDF Format

Consumer/Non-Corporate Farm Credit Application in PDF Format

Credit Application Commercial Form Request

Application For Membership Form in PDF Format

What is a Co-op and why should you become a member?

A cooperative is an organization that is owned and controlled by the people who use its products, supplies or services for their mutual benefit. Although cooperatives vary in type and membership size, all are formed to meet the specific objectives of their members, and are structured to adapt to members' changing needs. Self-reliance and self-help are the hallmarks of cooperatives. Cooperatives are useful for promoting the interests of the less powerful members of society. Over the years, farmers, producers, workers, and consumers have found that they can accomplish more collectively than they could individually.

Killarney - Cartwright Consumers CO-OP is one of the best known forms of co-ops, consumer co-ops are owned and controlled by the people that buy the products and services sold, managed or distributed by the co-ops.

Killarney - Cartwright Consumers CO-OP has the mandate to acquire the products and services required by you, our members, at the lowest possible cost with the highest possible quality.

Benefits of the Co-op Ownership Model?

• Allows like-minded people to provide themselves with desired goods and services at a reasonable cost.

• The traditional democratic control model of "1 Member - 1 Vote" means decisions are made by all members, and prevents one person or a small group of people from getting control.

• Income generated by the co-op remains in the community.

• Profits not reinvested in the co-op are allocated proportionally and paid back to members based on their volume of business.

• Limited Liability of members. Members / owners liability is limited to the amount of the value of their shares plus any shares that have been purchased but are unpaid.

• Permanence - A co-op enterprise continues even if members / owners leave.

• The co-op movement provides educational and networking opportunities at a local, regional and international level.