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

February 02, 2024

#BHM2024: Empowering Communities, Advancing Justice

This year's Black History Month theme is Empowering Communities, Advancing Justice, and will be informed by the topics highlighted in the 2024 YWCA Racial Justice Challenge. Read more

January 19, 2024

Save the Date! January 24 3pm EST DOJ Grants Webinar 

Don't miss the opportunity to join the U.S. Department of Justice for an online seminar on upcoming funding opportunities for programs that target gender-based and intimate partner violence. Read more

January 05, 2024

Register for YWCA Madison's Racial Justice Series 

YWCA USA is partnering with YWCA Madison to offer a six-week journey for intersectional racial justice learning and unlearning. Participants must commit to attending six four-hour sessions. Read more