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

November 17, 2023

YWCA USA Now Accepting 2024 Board of Directors Nominations 

Review the 2024 nominations packet for info on responsibilities, expectations, key qualifications, and the nomination process. Particular priority will be given to women under age 30 at election. Read more

November 03, 2023

USCellular Donating $4.7M in Wireless Hotspots to 17 YWCAs 

The mobile network operator has teamed up with YWCA USA to help close the "homework gap" by providing internet access to up to 16,000 youth YWCA members across 17 locations. Read more

October 26, 2023

We're Hiring a Member Services Associate! 

Join the Fund in a crucial full-time role that supports participant enrollment, contributions processing, communications, and annual projects. Read more