Secure Retirement for a Career of Service

Celebrating 100 years!

2025 marks the centennial of YWCARF and with it, a chance to celebrate both our legacy as one of the oldest pension plans for women and our vital supporting role in the YWCA’s mission.

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We support the YWCA’s mission to eliminate racism and promote peace, justice, freedom, and dignity for all.

YWCARF's sole purpose is to provide employees of participating YWCA associations with retirement benefits. We were one of the first pension plans for women, and we predate Social Security.

Did you know? We match 40% of your association's monthly retirement credit.

If your YWCA association contributes 10% per month, YWCARF will credit your account with 14% before interest.

#40Plus

A chart that shows the growth of your retirement investment over time, based on our 40% match.

Take the uncertainty out of retirement planning with an annuity, an income guaranteed to last a lifetime.

YWCARF offers six monthly payment options for life, and you can elect to share your YWCA legacy with a loved one.

News & Updates

September 04, 2025

YWCA USA Launches New Intranet 

Influenced by feedback from across the YWCA network, phase one of the new Intranet project is live with a refreshed platform and design, and updated homepage. Read more

August 15, 2025

August 12 YWConnect Resources Available 

Did you miss Tuesday's YWConnect session with Fund CEO Elliot Buchholz? Get the Zoom recording here. Read more

July 28, 2025

Join Us for YWConnect with YWCA USA CEO Margaret Mitchell, August 12! 

Elliott Buchholz, our CEO, will discuss the Fund's centennial, and its role as a powerful recruitment and retention benefit for YWCAs. Read more