{"id":988524,"date":"2022-04-22T07:00:00","date_gmt":"2022-04-22T07:00:00","guid":{"rendered":"https:\/\/acumeninsurancesolutions.com\/?p=988524"},"modified":"2022-07-25T09:45:11","modified_gmt":"2022-07-25T16:45:11","slug":"cdas-how-to-give-back-smarter","status":"publish","type":"post","link":"https:\/\/acumeninsurancesolutions.com\/cdas-how-to-give-back-smarter\/","title":{"rendered":"CDAs: How to Give Back Smarter"},"content":{"rendered":"\n<p>Is your credit union making charitable contributions to your community on a regular basis? If so, you might want to consider a charitable donation account (CDA).<\/p>\n\n\n\n<p>Why? Credit unions regularly face the challenge of both:<\/p>\n\n\n\n<ul><li>Being actively accountable to their members<\/li><li>Participating in and giving back to their communities&nbsp;<\/li><li>Using the best strategies to protect and grow their bottom line<\/li><\/ul>\n\n\n\n<p>A CDA might be the solution, as these accounts allow credit unions to give back smarter. Let\u2019s dive in a bit further into charitable donation accounts with <a href=\"https:\/\/acumeninsurancesolutions.com\/about\/\">Scott B. Hinkle<\/a>, J.D., CFP, and Principal at Acumen Insurance Solutions.<\/p>\n\n\n\n<style>.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; }<\/style><div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/\/5sGfN2F4p2Q\" frameborder=\"0\" allowfullscreen=\"\"><\/iframe><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What is a Charitable Donation Account?<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-large\"><img decoding=\"async\" src=\"https:\/\/acumeninsurancesolutions.com\/wp-content\/uploads\/2022\/04\/CDAs-How-to-Give-Back-Smarter-1-451x1024.png\" alt=\"\" class=\"wp-image-988526\"\/><\/figure>\n\n\n\n<p>According to <a href=\"https:\/\/www.ecfr.gov\/current\/title-12\/chapter-VII\/subchapter-A\/part-721\">Title 12, Section 721.2(b)(2)<\/a>, a charitable donation account (CDA) \u201cis a hybrid charitable and investment vehicle\u2026 that you may fund as a means to provide charitable contributions and donations to qualified charities.\u201d<\/p>\n\n\n\n<p>Authorized by the Federal Credit Union Act and many states, CDAs allow credit unions to use \u201cotherwise impermissible investments\u201d in order to offset the cost of making contributions to qualified charities in your community. These include:<\/p>\n\n\n\n<ul><li>Securities<\/li><li>Annuities<\/li><li>Life insurance contracts<\/li><\/ul>\n\n\n\n<p>Life insurance contracts, in particular, offer a high level of safety, liquidity, and a meaningful rate of return, and are something that every credit union that&#8217;s making charitable contributions to their community should consider.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Does a CDA Work?<\/h2>\n\n\n\n<p>Federal guidelines state that a federally-chartered credit union can place up to 5% of net worth into a charitable donation account. This account can be invested in assets that are normally not allowed for your credit union**, which can result in a better return than those generated by traditional credit union assets.<\/p>\n\n\n\n<p>If the account is terminated, your credit union can keep all but the 51% of earnings required to be contributed to the 501(c)3 charities you\u2019ve selected.<\/p>\n\n\n\n<p>**<em>State-chartered credit unions may have similar or different guidelines.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why Would My Credit Union Use a CDA?<\/h2>\n\n\n\n<p>Credit unions are inherently charitable institutions.<\/p>\n\n\n\n<p>Additionally, in the current environment, credit unions need to be as efficient as possible. If your credit union already gives to a charity or charities, a CDA could help your credit union provide these donations more efficiently.<\/p>\n\n\n\n<p>Simply put, CDAs are a win-win for both the charity (or charities) and the credit union.<\/p>\n\n\n\n<p>If your credit union is looking to broaden community impact, a CDA could help you jump-start that effort while positively impacting your bottom line.<\/p>\n\n\n\n<p>For more information on how your credit union can earn safely, visit our blog post \u201c<a href=\"https:\/\/acumeninsurancesolutions.com\/credit-unions\/cuoli-how-to-earn-more-safely\/\">CUOLI: How to Earn More Safely<\/a>.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A charitable donation account (CDA) can help your credit union give back to your members and community while strengthening your bottom line.<\/p>\n","protected":false},"author":5,"featured_media":2219,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[28,118],"tags":[36,37,54,38,55,29,56],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CDAs: How to Give Back Smarter - Acumen Insurance Solutions<\/title>\n<meta name=\"description\" content=\"A charitable donation account (CDA) can help your credit union give back to your members and community while strengthening your bottom line.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/acumeninsurancesolutions.com\/cdas-how-to-give-back-smarter\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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