cattle in field

Individual Retirement Account

IRA charitable rollover

If you are age 70.5 or older, you can contribute up to $100,000 from your IRA directly to the Center for Rural Affairs and avoid paying income taxes on the distribution. This is called a qualified charitable distribution and is limited to IRAs.

If you’re too young to qualify for a qualified charitable distribution, an excellent option to consider is a legacy gift—making the Center for Rural Affairs a beneficiary of part or all of your retirement assets from your IRA, 401(k), 403(b), pension, or other tax-deferred plan. Click here to learn more about planned giving, including life insurance and leaving a lasting legacy by including the Center in your estate planning.

Benefits of an IRA Charitable Rollover

  • Avoid taxes on transfers of up to $100,000 from your IRA to the Center for Rural Affairs.
  • May satisfy your required minimum distribution (RMD) for the year.
  • Reduce your taxable income, even if you do not itemize deductions.
  • Make a gift that is not subject to the deduction limits on charitable gifts.
  • Help further the work and mission of our organization.

How an IRA Charitable Rollover gift works

  1. Contact your IRA plan administrator to make a gift from your IRA to us.
  2. Your IRA funds will be directly transferred to the Center for Rural Affairs to help continue our important work.
  3. Please note that IRA charitable rollover gifts do not qualify as a charitable deduction.

Contact us

If you have any questions about an IRA charitable rollover gift, please contact us at We would be happy to assist you and answer any questions you might have.

Download donor instructions to your IRA administrator. Once the pdf is downloaded, hover over each box for instructions on how to fill in the box.