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

September 26, 2023

Download the Revised Summary Plan Description (SPD) 

Written in everyday language, the SPD summarizes your rights and benefits under the YWCA Retirement Fund Plan and provides you with an understanding of how it operates. Read more

August 31, 2023

Registration for the 2023 Week Without Violence Campaign is open! October 16 - 21

Join the entire YWCA network for #WWV23, "Not On Our Screens. Not In Our Streets: A Movement Towards Violence-Free Communities." Register your association and sign up for next week's webinar. Read more

August 23, 2023

Don't Miss YWCA Minneapolis' September 27 "It's Time to Talk: Forum on Race" 

Register now for this half-day free virtual learning opportunity, featuring keynote speaker Dr. Marc Lamont Hill and breakout speakers including Dr. Joi Lewis and Kyle “Guante” Myhre. Read more