Secure Retirement for a Career of Service

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.


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

April 15, 2024

Register for YWCA USA and YWCA Boston's Racial Justice Series 

Sign up by Friday, April 19 for four sessions on understanding racial equity, the intersection of identities, opportunities for cultural and organizational change, and implicit bias. Read more

March 29, 2024

Until Justice Just Is 2024 Kicks Off on Monday, April 1 

Register now to engage with activists, advocates, and allies around this year's theme, Building Bridges to Equity, and tune in for a panel discussion on April 11, 3pm EST. Read more

March 01, 2024

Meet the Emerging Leaders Class of 2024! 

YWCA USA is proud to announce the first cohort of 44 women, femmes, and non-binary people who will come together for the next six months to lead change across the network. Read more