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

July 17, 2024

Attention Admins! New YETI Features Launching Monday, July 22

Time-saving enhancements will replace forms for employee processing. Read more

July 11, 2024

Don't Miss Crisis Communications Training, July 30 

Registration is open to up to 30 CEOs and EDs for YWCA USA's second series of 2024 crisis communications training. Sign up now for three virtual sessions on the dos and don'ts of how to respond. Read more

June 17, 2024

We Just Launched New Time-Saving Self-Service Features!

Learn about new enhancements to the YWCA Retirement Fund self-service site for participants and annuitants. Read more