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.

News & Updates

September 22, 2022

Download The #YWomenVote Midterm Election Study 

YWCA USA's latest national survey confirms that women are united in their support for economic, care-giving, gender-based violence, health, and racial justice policy solutions. View the full results. Read more

September 13, 2022

Join YWCA Greater Atlanta in Conversations, September 28 

Join reproductive experts for this year's theme, "MY Body. MY Health. MY Rights. A Conversation." Learn ways in which to advocate for bodily autonomy and commit to action on protecting rights. Read more

August 25, 2022

Take Coordinated Digital Action for #WomensEqualityDay Tomorrow 

Join YWCA USA and other agencies to mark Women’s Equality Day and the ratification of the 19th amendment, while also pushing for constitutional protections ahead of the upcoming midterms. Read more