Areas of Giving

CTF has established Families of Funds that address a broad range of community issues and interest in the areas of education, culture, and wellness. Your donation to one of our funds will be used locally to improve our quality of life today and enhance the future prospects for our youth.  To learn more about our established funds, please click on one of the links below.

Vibrant Communities & Thriving Environment

“Never doubt that a small group of thoughtful, committed citizens can change the world; indeed, it’s the only thing that ever has.”

~Margaret Mead

These Funds support organizations and community groups that enhance the quality of life in the region. This includes for example; programs that build community pride and participation through events and cultural activities, programs that help meet basic needs and services for all segments of the community including children, families and the elderly, and programs that provide recreational opportunities


CTF Administrative Endowment Fund

“Coming together is a beginning; Keeping together is progress; Working together is success.”  ~Henry Ford

This fund provides the resources to support the Community Trust Foundation’s daily operations, build public awareness of CTF and increase its asset base.  

A gift to the Administrative Endowment Fund facilitates philanthropy in the region by fostering organizational sustainability.

All of CTF’s administrative expenses are approved by the Board of Trustees.  We are committed to minimizing overhead expenses through in-kind donations, the use of volunteer staff, and close budgetary oversight by the Board.

You will be donating to the CTF ADMINISTRATIVE ENDOWMENT FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Developing Vibrant Communities Fund

“Never doubt that a small group of thoughtful, committed citizens can change the world; indeed, it’s the only thing that ever has.” ~Margaret Mead

This fund supports organizations and community groups which offer programs that enhance the quality of life within our communities. The fund promotes and supports:

  • Programs that build community pride through events and cultural activities;
  • Programs that enhance the livability of the community by improving physical and human infrastructure;
  • Programs that improve and enhance public areas, including access to public buildings and other facilities;
  • Programs that improve and enhance social discourse and community service;
  • Programs that help to meet basic needs and services for all segments of the community, including children, families and the elderly;
  • Economic, social and cultural programs that help to create a more vibrant community, such as “Main Street” and “Visioning” programs;
  • Programs and facilities that provide recreational opportunities such as parks, playgrounds and recreational centers and provides support for coaches and teams;
  • Programs that help to provide leadership and professional development within the community;
  • Programs that promote diversity and an understanding of the world within the members of the community by support for such activities as international youth exchange, scouting, 4H and similar programs;
  • Activities and programs that foster a vibrant and diverse business community;
  • Matching funds for state, federal and private grants within the above criteria.

This fund does not normally support endowment funds.  Grants will not be made to support or oppose legislation, nor to support or oppose political candidates or parties.

You will be donating to the DEVELOPING VIBRANT COMMUNITIES FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

God's Ark of Safety Fund

Established by a church member, the purpose of this Fund shall be to provide financial support for God’s Ark of Safety Church in Frostburg, Maryland.  Funds will be used to meet the church’s mission through various means such as: providing for missions and other outreach programs within and outside the United States; providing benevolence to those in need; raising up future leaders through various children and youth programs; providing training for all aspects of leadership in the Body of Christ; while continuing to maintain the God’s Ark of Safety Church.

You will be donating to the GOD’S ARK OF SAFETY FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Iris & Peter Halmos Endowed Community Fund

Your gift will support initiatives to make Allegany County, Maryland a more vibrant community in which to live, work and raise a family.

You will be donating to the IRIS & PETER HALMOS ENDOWED COMMUNITY FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Lancelotta Animal Welfare Fund

The purpose of this Fund shall be to provide financial support for charitable initiatives benefiting animal welfare in CTF’s geographic service area.

You will be donating to the LANCELOTTA ANIMAL WELFARE FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Naylor Family Trust Fund

The Naylor Family Trust generously supports charitable causes focusing on education and culture in western Maryland and West Virginia.

You will be donating to the NAYLOR FAMILY TRUST FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Ray & Brenda Morriss Endowed Community Fund

The purpose of this Fund shall be to provide financial support for Arts & Culture, Animal Welfare, Education and other charitable initiatives benefiting CTF’s geographic service area.

You will be donating to the RAY & BRENDA MORRISS ENDOWED COMMUNITY FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Ted A. Wolfe Community Fund

A donation to the Wolfe Fund will help support the delivery of health, education and community services to individuals in Allegany County, MD.

You will be donating to the TED A. WOLFE COMMUNITY FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Invest In Allegany County

You will be donating to the INVEST IN ALLEGANY COUNTY FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Invest In Garrett County

You will be donating to the INVEST IN GARRETT COUNTY FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Invest In Mineral County

You will be donating to the INVEST IN MINERAL COUNTY FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

The Arts & Historic Preservation


“The Community Trust Foundation celebrates our rich historical and cultural heritage because it belongs to all of us.”

—Marion Leonard

These funds help build a stronger creative community through the arts and historical preservation. They support the performing arts through art programs such as; acting, painting, drawing, reading, writing, music, dancing, storytelling, ceramics, etc. and educational opportunities that encourage lifelong learning and participation in the literary, visual, theatrical, musical and performing arts in the region.

These Funds also support programs and institutions that preserve the rich cultural heritage of the area including; museums, historic preservation societies, historic properties, community heritage and special districts. Funds also allow for the acquisition of artifacts, art, furniture and other collections.


The Allegany Museum Endowed Fund

The purpose of this Fund shall be to provide financial support for the operating costs of the Allegany Museum.

You will be donating to the THE ALLEGANY MUSEUM ENDOWED FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Iris & Peter Halmos Endowed Community Fund

Your gift will support initiatives to make Allegany County, Maryland a more vibrant community in which to live, work and raise a family.

You will be donating to the IRIS & PETER HALMOS ENDOWED COMMUNITY FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Lefty Grove Memorial Fund

This fund is established by the Lefty Grove Memorial Committee to erect a statue of iconic baseball player and native son, Lefty Grove, in Lonaconing, Maryland. Lefty was recipient of the very first American League “Most Valuable Player” trophy presented by the Baseball Writer’s Association of America.  You will be donating to the THE LEFTY GROVE MEMORIAL FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Naylor Family Trust Fund

The Naylor Family Trust generously supports charitable causes focusing on education and culture in western Maryland and West Virginia.

You will be donating to the NAYLOR FAMILY TRUST FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Ray & Brenda Morriss Endowed Community Fund

The purpose of this Fund shall be to provide financial support for Arts & Culture, Animal Welfare, Education and other charitable initiatives benefiting CTF’s geographic service area.

You will be donating to the RAY & BRENDA MORRISS ENDOWED COMMUNITY FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Education & Youth Leadership


“We do not inherit the earth from our ancestors, we borrow it from our children.”

~Chief Seattle

These Funds support programs that embrace and encourage life long learning in the region and increase the knowledge base of the community. The funds support organization and community groups that focus on education and also scholarships, conferences, field trips, and training programs.


Allegany County Imagination Library

Imagine the thrill of a child’s face when receiving a new book each month… The Allegany County and Dolly Parton Imagination Library are bringing the joy of reading to our children.  Upon registration, each will receive a brand new book every month until their fifth birthday.

You will be donating to the ALLEGANY COUNTY IMAGINATION LIBRARY. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Ken Alrutz/Bob Moreland Memorial Scholarship Fund

Ken Alrutz, Mr. A, Our Fearless Leader, the Master, was Explorer Post 10’s compass from 1962 until being transferred by PPG in 1970.  He was our inspiration, our mentor. Bob Moreland, Mr. Moreland or Bloody Bob, served as the lieutenant, guiding the Post 10 ship from its founding in 1958 until it met its end in 1982.  He sang, he prayed, he laughed. With the leadership, tutelage and mentoring of these two giants, our crew of Explorers became men.  We learned ethics and values.  We learned perseverance and humility.  We learned faithfulness and reverence. We learned how to lead and how to follow.  We became lawyers, educators, actors and engineers.  We  became business owners and community and civic leaders.  And we became husbands and fathers. I firmly believe that much of our collective success may be attributed to those lessons we learned from our fearless leaders:  Ken Alrutz and Bob Moreland.  They changed our lives. It is with this in mind that we created a scholarship in their name that will, in perpetuity, send scouts from the Potomac District to camp, whether it’s a local summer camp, a BSA High Adventure Camp or the National Jamboree.  Mr. A and Mr. Moreland’s memory and leadership lessons will live on…forever.

You will be donating to the Ken Alrutz-Bob Moreland Explorer Post 10 Scholarship Fund

Crimson Shamrock Fund

The purpose of this Fund shall be to provide financial support for a variety of charitable initiatives benefiting CTF’s geographic service area, primarily Mineral County, West Virginia.

You will be donating to the CRIMSON SHAMROCK FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Ebert Family Hope Fund

A gift to this fund will help strengthen families and support parenting in Allegany County, MD.

You will be donating to the EBERT FAMILY HOPE FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Garrett County Community School Support Fund

This fund will provide financial support for charitable initiatives benefiting Garrett County Education within the following terms:

  • Any teacher within the Garrett County Public School system can apply for funds.  Teachers who volunteer for sponsored events, and which generate funds, shall be given priority should more than one request be received.
  • Classroom needs are to be given top priority.
  • Extracurricular activities, such as school-related field trips, sports, bands or clubs, may also request funds.
  • Funds may be requested in accordance with the grant cycles adopted by the Board of Trustees of CTF.
  • Public school teachers may underwrite submissions for funds requested for use to support home-school students in Garrett County.
  • Qualifying requests must include a matching contribution by another business, person or group in the amount of at least 25% of the request.  (i.e. should a teacher need $250 for classroom supplies, the request to CTF must provide for a matching contribution of at least $62.50 from another source.)  The total proceeds would be $312.50.

To view the poster, please click here. To view the application, please click here.

You will be donating to the GARRETT COUNTY COMMUNITY SCHOOL SUPPORT FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Girl Scouts of Garrett County

This fund has been established to provide financial support for current initiatives that support the interests of the Girl Scouts of Garrett County, MD.  Specifically, community events for all Garrett County Girl Scouts, supplies for girls who have shown a financial need, troop expenses, and travel beyond Garrett County related to community, council or national events. 

You will be donating to the GIRL SCOUTS OF GARRETT COUNTY. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Iris & Peter Halmos Endowed Community Fund

Your gift will support initiatives to make Allegany County, Maryland a more vibrant community in which to live, work and raise a family.

You will be donating to the IRIS & PETER HALMOS ENDOWED COMMUNITY FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Naylor Family Trust Fund

The Naylor Family Trust generously supports charitable causes focusing on education and culture in western Maryland and West Virginia.

You will be donating to the NAYLOR FAMILY TRUST FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Ray & Brenda Morriss Endowed Community Fund

The purpose of this Fund shall be to provide financial support for Arts & Culture, Animal Welfare, Education and other charitable initiatives benefiting CTF’s geographic service area.

You will be donating to the RAY & BRENDA MORRISS ENDOWED COMMUNITY FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Ted A. Wolfe Community Fund

A donation to the Wolfe Fund will help support the delivery of health, education and community services to individuals in Allegany County, MD.

You will be donating to the TED A. WOLFE COMMUNITY FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

SCHOLARSHIPS

Community Trust Foundation administers a variety of scholarships that have been established by generous individuals to assist students with their educational pursuits. Whether honoring loved ones or providing for a specific field of study, each scholarship expresses a deep belief in the power of education to help young people achieve their dreams.

You can contribute to these scholarships by selecting the Donate button associated with each scholarship heading.

Award Announcement and Payment
Students who wish to apply for one of the listed scholarships should contact their high school guidance office.
Students will be notified of their award by their respective school.  If you are awarded a scholarship, you will be provided instructions via mail to sign a scholarship agreement and provide verification of college enrollment. Once we receive the required signatures and documentation, we schedule payment directly to the school of your choice.
For more information call 1-301-876-9172 or ctf@ctfinc.org

Russell Lee Poling Scholarship Fund

The purpose of this Fund shall be to provide financial support for students graduating from Allegany High School. Students must have a GPA of 3.2 or higher, have participated in high school sports or other athletic activities, must pledge that they do not use tobacco products or illegal substances, and demonstrate an interest in serving in the military.

You will be donating to the RUSSELL LEE POLING SCHOLARSHIP FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Enordo Arnone Endowed Scholarship Fund

The purpose of this Fund shall be to provide financial support for scholarships benefiting Mountain Ridge High School Seniors meeting the qualifications described below.

Qualifications:

  1. Current year graduate of Mountain Ridge High School (MRHS), Frostburg, MD
  2. Must attend a 4-year institution
  3. Must play a sport and present either a copy of a signed letter of intent to a college or a letter from the coach stating that you are on the team
  4. Must have a 3.0 high school GPA or higher
  5. May not have been granted a full scholarship to college for athletics or academics

This scholarship will be given in memory of Enordo “Moose” Arnone. The amount will be $1,000 and will be renewable for four years if all criteria are met.

  1. The student must continue to play/be on a collegiate sports team and be in good standing. Note: if the student is injured and cannot play, he or she may keep the scholarship. The committee is to be advised of the status.
  2. The student must maintain a 3.0 cumulative GPA while in college.
  3. Contact for scholarship renewal is Community Trust Foundation, 112 Baltimore Street, Cumberland MD 21502 or ctf@ctfinc.org

You will be donating to the ENORDO “MOOSE” ARNONE ENDOWED SCHOLARSHIP FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Dick Ryan Scholarship Fund

Scholarships shall be awarded to students in pursuit of an undergraduate degree from an accredited college or university.

Mr. Dick Ryan grew up in the George’s Creek area and attended Johns Hopkins University on scholarship.  As a successful businessman, Mr. Ryan established this fund to provide scholarships to deserving students graduating from Mountain Ridge High School in Frostburg that are pursuing courses of study leading to an undergraduate degree in engineering, basic sciences or mathematics from and accredited college or university. This scholarship is renewable for four years if criteria is met.

You will be donating to the DICK RYAN SCHOLARSHIP FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation in a different method, please contact our office at 301-876-9172.

Fort Hill Scholarship Funds

The Fort Hill Scholarship Funds (FHSF) support various scholarships for Fort Hill High School Seniors pursuing higher education. The Community Trust Foundation is proud to administer the scholarship funds for FHSF by providing accredited independent oversite of each fund, professional investment of the contributions, and tax benefits to the donors who generously give to support Fort Hill’s outstanding graduates. You can donate to the Fort Hill Scholarship Fund of your choice by using the donate button. To apply for a scholarship please contact the Fort Hill High School Guidance Office.

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Frank H. Eberly, Jr. Scholarship Fund

The Frank H. Eberly, Jr. Scholarship Fund was established by the family of the late Mr. Eberly. A  scholarship in the amount of $1,000 will be awarded to one high school senior enrolled in public or private school in both Garrett and Allegany Counties. Scholarship forms and instructions are available here or with an area guidance counselor. Frank H. Eberly, Jr. Scholarship application You will be donating to the FRANK H. EBERLY SCHOLARSHIP FUND Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Guidance Counselors Memorial Scholarship Fund

The purpose of this Fund is to provide scholarships to deserving students graduating from Keyser High School in Keyser, West Virginia that are pursuing courses of study leading to an undergraduate degree in science, technology, engineering or mathematics from and accredited college or university. 

Qualifications:

  1. Current year graduate of Keyser High School, Keyser, WV
  2. Must attend a 4-year institution
  3. Must have a 3.0 high school GPA or higher
  4. Must be pursuing a degree in a science, technology, engineering or math field
  5. May not have been granted a full scholarship to college for athletics or academics

You will be donating to the GUIDANCE COUNSELORS MEMORIAL SCHOLARSHIP FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Dr. Harry W. Boggs Youth Advancement Fund

Developed by friends, family and the Mineral County business community, this fund will provide assistance to any young person residing in Mineral County, between the ages of 14-18 years old, who is interested in participating in character-building organizations and programs.

You will be donating to the DR. HARRY W. BOGGS YOUTH ADVANCEMENT FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

George B. and Lenora Humberson Scholarship Fund

This fund provides scholarships to deserving students from Northern Garrett High School in Accident, MD.  Scholarships are awarded to students who are studying in post-secondary education at Frostburg State University.  For additional information, students and parents are encouraged to speak with the school guidance counselor or principal at NGHS.

You will be donating to the GEORGE B. AND LENORA HUMBERSON SCHOLARSHIP FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Youth Aviation Fund

The Youth Aviation Fund supports and promotes the participation of children and youth in aviation related activities, including education and training, career exploration and recreation.

You will be donating to the YOUTH AVIATION FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Youth Leadership Fund

The purpose of this Fund shall be to provide financial support for the administrative development of the Local Management Board and the Youth Leadership Fund. The program has several major goals:

  1. To educate students in leadership skills and principles.
  2. To encourage the students in civic engagement and responsibilities
  3. To create a core of young people knowledgeable about the issues facing our communities
  4. To learn to discuss issues and discuss problems without rancor or in a reasonable and thoughtful manner
  5. To create the future members and leaders of organizations such as Rotary, Kiwanis, Lions, Rescue Squads and Fire Departments and the like.
  6. Help identify and educate the elected officials of tomorrow.

You will be donating to the YOUTH LEADERSHIP FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Health & Wellness


“Health is a state of complete physical, mental and social well-being, and not merely the absence of disease or infirmity.” 

~World Health Organization, 1948

Complete health and wellness combines the knowledge of modern medicine with complementary therapies to address the person’s physical, emotional and spiritual well-being. Some areas these Funds promote are; disease prevention, holistic and complementary practices, and programs that increase access to and affordability of appropriate health care services in the region.


Health Care Fund

Contributions to this fund will assist with initiatives to expand access to affordable health care in our region.

You will be donating to the HEALTH CARE FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Ebert Family Hope Fund

A gift to this fund will help strengthen families and support parenting in Allegany County, MD.

You will be donating to the EBERT FAMILY HOPE FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Heritage Fund

The purpose of this Fund shall be to provide financial support for children ages 5 through 18 who would not, without such assistance, be able to participate in the Cumberland YMCA programs. 

You will be donating to the HERITAGE FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Iris & Peter Halmos Endowed Community Fund

Your gift will support initiatives to make Allegany County, Maryland a more vibrant community in which to live, work and raise a family.

You will be donating to the IRIS & PETER HALMOS ENDOWED COMMUNITY FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Kim & Marion Leonard Authentic Leadership & Integrative Health Endowment Fund

This fund was established for creating and sustaining a dynamic wellness environment for individuals and preserving and celebrating our area’s natural beauty.  The Leonard Fund is dedicated to bringing awareness and knowledge of all aspects of wellness to all members of our community, promoting a holistic personal empowerment and growth mindset, enhancing quality of life, and contributing to the economic health and well being of the workplace and the region.

You will be donating to the KIM & MARION LEONARD AUTHENTIC LEADERSHIP & INTEGRATIVE HEALTH ENDOWMENT FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Lancelotta Hospice & Healthcare Fund

The purpose of this Fund shall be to provide financial support for charitable initiatives benefiting hospice and/or health care in CTF’s geographic service area.

You will be donating to the LANCELOTTA HOSPICE & HEALTHCARE FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

MD Physician’s Care Fund

This fund represents a partnership between physicians, the Western Maryland Health System Foundation, and the community to make health care more affordable for everyone in our region.

You will be donating to the MD PHYSICIAN’S CARE FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Mineral County Office on Aging & Family Services Meals on Wheels Non-Endowed Fund

The purpose of this Fund shall be to provide everyday financial support for the Mineral County Office on Aging and Family Services Meals on Wheels Program.  Donations to this fund may be eligible for WV Tax Credits through the Neighborhood Investment Program.

You will be donating to the MINERAL COUNTY OFFICE ON AGING & FAMILY SERVICES MEALS ON WHEELS NON-ENDOWED FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Mineral County Office on Aging & Family Services Meals on Wheels Endowed Fund

The purpose of this Fund shall be to provide financial support for the long term sustainability of the Meals on Wheels Program operated through the Mineral County Office on Aging and Family Services.  Donations to this fund may be eligible for WV Tax Credits through the Neighborhood Investment Program.

You will be donating to the MINERAL COUNTY OFFICE ON AGING & FAMILY SERVICES MEALS ON WHEELS ENDOWED FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Naylor Family Trust Fund

The Naylor Family Trust generously supports charitable causes focusing on education and culture in western Maryland and West Virginia.

You will be donating to the NAYLOR FAMILY TRUST FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Ray & Brenda Morriss Endowed Community Fund

The purpose of this Fund shall be to provide financial support for Arts & Culture, Animal Welfare, Education and other charitable initiatives benefiting CTF’s geographic service area.

You will be donating to the RAY & BRENDA MORRISS ENDOWED COMMUNITY FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Ted A. Wolfe Community Fund

A donation to the Wolfe Fund will help support the delivery of health, education and community services to individuals in Allegany County, MD.

You will be donating to the TED A. WOLFE COMMUNITY FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

Vicki Linn Ovarian Cancer Fund

The purpose of this Fund shall be to provide financial support for the Frostburg Soroptimist Club projects that increase awareness of ovarian cancer, promote research related to ovarian cancer treatment, and provide assistance to ovarian cancer patients.

You will be donating to the VICKI LINN OVARIAN CANCER FUND. Thank you! You will be redirected to PayPal to complete your donation. If you would prefer to make a donation using a different method, please contact our office at 301-876-9172.

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Need More Info?

What is the Community Trust Foundation?

Established in 2006, the Community Trust Foundation, Inc. (CTF), is a 501(c)(3) charitable organization serving Allegany, Garrett and Mineral Counties.  The mission of CTF is to strengthen the region by working in partnership with donors and community groups.  We are not the cause; we are the causeway to growing better, stronger, more vital communities.  We provide administrative services and stewardship to help communities in our region maximize charitable giving and investing.

How does a community foundation differ from other non-profit organizations?

Most non-profit organizations serve a very specific mission.  Conversely, community foundations have a broad vision – to improve the quality of life in a given region.
As a philanthropic leader, the vision of CTF is to grow better, stronger and more vital communities for the region we serve.

We understand the needs of our community and make it easy for our local citizens to establish funds that will serve organizations and programs important to them.
The breadth of our mission provides many unique opportunities for donors to make a difference in the community in which they live –  for good, for ever.

How is the Community Trust Foundation funded?

We cover our administrative expenses by charging a small annual fee to each fund.  Our major source for funds comes from local citizens of varying means, who donate their assets to help improve the quality of life in their region.  Many contribute cash, securities, insurance and real property as outright gifts or they give through their personal will or by using planned giving, such as a charitable remainder trust.

What types of Charitable Funds are available?

Donor Advised Fund- we help you create a fund for your specific charitable intent and you reserve the right to recommend grants.  Although federal tax law requires the Foundation to make the ultimate decisions, we will always try to follow your wishes.

Field-of-Interest – we help you create a fund in which you specify your general area of community needs.  Then, CTF awards the grants to address your area of concern such as the arts, education, health-care, youth, animal welfare, environment and historical preservation.
 
Restricted Fund-you designate one or more existing charities to be supported and we will issue grants to those respective charities, subject to our board’s variance power, which ensures that the fund remains relevant over time.
 
Unrestricted funds –we help you establish a fund and CTF awards grants in response to community needs, forever.

Scholarship Fund –you specify the criteria for the scholarship and may participate on the scholarship selection committee.
 
Seedling Fund- you may start a seedling fund with $5,000 with the intention to increase the fund to a $10,000 minimum within two years of creating the fund.

Smaller donations are always appreciated and can be used to supplement any existing fund

What types of donations does CTF accept?

Cash gifts are the swiftest and easiest form of contribution.

Appreciated securities may frequently be more advantageous than making a direct cash gift.  Contributing appreciated stock or mutual fund shares allows the donor to avoid capital gains tax on the appreciation and usually allows the donor to deduct the full fair market value of the stock for income tax purposes.  For life income gifts, giving appreciated stock means the donor may give an asset with little or no yield in exchange for annual income.  Closely held stock may also be given to the Foundation.

Real estate gifts provide tax savings similar to gifts of appreciated securities.  Donors may also benefit by making a gift of a future interest in real estate while retaining a life interest in the property.  Real estate gifts must be readily marketable and free of environmental concerns.

Life insurance policy ownership may be assigned to the Foundation.  By naming it as an irrevocable beneficiary gives the donor an immediate tax deduction for the present cash value of the policy, while at the same time making a considerable contribution.  If the donor continues paying the annual premiums, these too, may be tax-deductible.

Planned gifts are welcomed.  A Charitable Remainder Trust gives a lifetime income to the donor while also providing a future gift of the trust to the Foundation.  In addition to cash, securities and real estate, personal property (i.e., artwork, vehicles, or collectibles) that could be sold to produce income, may also be used to make a gift or establish a planned gift, such as a charitable remainder or charitable lead trust.

A bequest to the Foundation through a will is not subject to estate taxes.  Adding a codicil to your will naming the Foundation, describing your gift and designating how you want the Foundation to use the gift, will create a permanent legacy for your community in your family name.   Some donors also have substantial retirement plan assets, (401 (k), IRA, or Keogh plans) in their estates.  From a tax standpoint, these assets are often the most advantageous to donate via a bequest or charitable trust as they may be heavily taxed as part of the estate and as income to beneficiaries.  The Foundation can be named as the plan beneficiary to avoid these taxes.  When making any type of planned gift, be certain to consult your financial advisor to structure your will and review your retirement plan accounts to insure the best use these assets.

A Private foundation may be transferred into the Community Trust Foundation, keeping your foundation’s name and board intact by creating a donor-advised fund.  By transferring all or part of the assets of the private foundation to the component fund of the Foundation, you avoid the considerable paperwork, administrative duties, restrictions and taxes imposed upon private foundations.  Establishing your fund as a donor-advised fund allows you to keep an advisory role in grant making from the fund.

What are the benefits of establishing a fund through the Community Trust Foundation?

  • We provide an easy, efficient, and effective process to help you establish a professionally managed fund that serves your community interests.
  • We partner with you to create a fund to achieve your charitable vision.
  • We save you the time, administrative expense and legal costs of starting a private foundation.
  • We offer tax-saving and estate planning strategies.
  • We spare you federal and state record keeping and filing.
  • We invest your fund with professional financial managers.
  • We provide on-going guidance and help to achieve your charitable goals.
  • We keep you informed about current community needs.

How do I set up a fund?

  • Starting your own charitable fund is easy.  First, you determine the type of fund that best suits your charitable vision.  Then, we provide the administrative support and financial management services for your philanthropic fund.
  • With gifts of $10,000 or more, we can help you create a new fund. You define your charitable intention, name your fund and establish the criteria for awarding grants.
  • With gifts of less than $10,000, you may contribute to an existing fund or join with others to create a new fund to support a community need.

What is the difference between an Endowed and a Non-Endowed fund?

You may choose whether your fund will be Endowed or Non-Endowed.

In an Endowed fund, your contributions are invested with the intent to protect your original donation over time and to use only a portion of your investment earnings to support your charitable purpose.

In a Non-Endowed fund, your contributions are invested and both a portion of your contribution and the investment earnings support your charitable purpose.

How much does it cost to start up a fund?

There is no cost for starting a fund.  Our annual fee structure depends upon the type of fund.  There is a $250 minimum charge annually and the administrative fee depends upon the type and size of the fund, ranging between .50% – 1.50%.  For more information, please contact our office.

Who manages the CTF funds?

The Community Trust Foundation funds are managed by professional investment managers who adhere to an investment policy established and approved by the Board of Trustees.  The CTF Audit & Investment Committee requires that all investment managers submit a written report of investment performance every calendar quarter.  Together, with input from the Board, the portfolio holdings are reviewed semiannually.