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

May 26, 2023

Capitol Hill Day Webinar, May 31, 3-4pm EST 

Are you attending Capitol Hill Day on June 8? Get ready for the YWCA National Conference’s day of action with a webinar on tools, talking points, how-tos, and the new app. Read more

May 18, 2023

Misty Copeland to Keynote YWCA Seattle's 2023 Inspire Luncheon, September 14! 

Save the date for Misty Copeland, Principal Dancer with American Ballet Theatre and the first Black woman to be promoted to the position in the company's history in 2015. Registration opens June 1. Read more

May 01, 2023

Watch YWCA USA's 403(b) Retirement Plan Seminar 

Learn about the new member benefit for local associations and staff by viewing the webinar from April 25. Read more