CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER
 Certification Pursuant to 18 U.S.C. Section 1350 (Adopted Pursuant to Section
                        906 of the Sarbanes-Oxley Act of 2002)

In connection with the annual report on Form 10-K of Chugach Electric
Association, Inc. (the "Company") for the year ended December 31, 2004, as filed
with the Securities and Exchange Commission (the "Report"), I, Michael R.
Cunningham, Chief Financial Officer and Principal Financial Officer of the
Company, hereby certify as the date hereof, solely for purposes of Title 18,
Chapter 63, Section 1350 of the United States Code, that to the best of my
knowledge:

(1)               the Report fully complies with the requirements of Section
                  13(a) or 15(d), as applicable, of the Securities Exchange Act
                  of 1934, and

(2)               the information contained in the Report fairly presents, in
                  all material respects, the financial condition and results of
                  operations of the Company at the dates and for the periods
                  indicated.



Date: March 31, 2005                           /s/ Michael R. Cunningham
                                                   ----------------------
                                                   Michael R. Cunningham
                                                   Chief Financial Officer
                                                   Principal Financial Officer