How to Make CFC Contributions and Claim a Tax Deduction

The Combined Federal Campaign, or CFC, serves as the official workplace giving program for the federal government. It provides a structured and reliable channel for federal civilian, postal, and military personnel, as well as retirees, to donate to a wide array of non-profit organizations. The program’s design simplifies the act of giving, allowing members of the federal community to support thousands of vetted charities through a single platform.

Contribution Options and Eligibility

Participation in the CFC is open to the federal community, which includes current federal, military, and postal employees. Federal retirees are also eligible to make contributions, allowing them to continue their support through their annuities. Additionally, federal contractors who work in federal facilities can participate by making one-time contributions through the online system.

The most common method for contributing is payroll deduction, which allows employees to spread their total planned donation over the course of the year in smaller, regular installments. This approach automates the giving process and can make a larger annual gift more manageable.

For those who prefer not to use payroll deduction, one-time contributions are also an option. These can be made using a credit card, debit card, or an electronic check through the secure online portal. Beyond monetary donations, the CFC also allows participants to pledge volunteer hours to their chosen charities, providing another way to support their missions.

Preparing to Make Your Contribution

Before making a pledge, research the charitable organizations participating in the campaign. The official CFC website hosts an online charity search tool that lists thousands of vetted non-profits. This tool allows potential donors to find organizations that align with their personal interests, whether they are focused on local, national, or international causes. The vetting process conducted by the Office of Personnel Management ensures that listed charities are reputable.

Each charity in the CFC is assigned a unique 5-digit code. This code is important for ensuring that your donation is directed to the correct organization. When you have identified a charity you wish to support, you should note this code.

Once you have selected one or more charities, the next step is to determine the total amount you wish to give and how you will make the contribution. Deciding between a recurring payroll deduction or a one-time payment will prepare you for the final step of the process.

How to Make Your Contribution

The most direct way to contribute is through the CFC’s online pledge portal. On the website, you will create an account or log in to an existing one, search for your chosen charities using their name or 5-digit code, and enter the amount you wish to donate. The system will then guide you to select your payment method, such as payroll deduction or a one-time payment via credit/debit card or e-check.

After you confirm your pledge details, the online system will process your contribution. If you select payroll deduction, your agency’s payroll office will handle the automatic deductions from your pay. For one-time payments, the transaction is completed immediately.

Alternatively, you can contribute using a paper pledge form, which may be available from your agency’s CFC coordinator. On this form, you will need to provide your personal information and specify your chosen charities using their 5-digit codes and the amount you are pledging to each. You will also indicate your preferred payment method. Once the form is completed and signed, you must submit it to your campaign coordinator.

Tax Considerations for Your Contribution

Monetary contributions made through the CFC to eligible charities are tax-deductible for donors who itemize their deductions on their federal income tax returns. These contributions are made with after-tax dollars; federal law does not permit charitable payroll deductions to be pre-tax. The deduction is claimed on Schedule A of the IRS Form 1040.

For tax filing purposes, you must retain proper documentation of your contributions. The CFC does not issue a separate, consolidated tax receipt at the end of the year. If you contribute via payroll deduction, your year-end Leave and Earnings Statement (LES) or final pay stub showing the total amount withheld for the CFC serves as your proof of donation. For online donations made by credit card or e-check, the email confirmation you receive after completing the transaction is your record.

While pledging volunteer hours is a valuable way to contribute to a charity’s mission, the value of your time and labor is not tax-deductible. According to IRS regulations, only direct monetary contributions or the fair market value of donated property can be claimed as a charitable deduction.