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

July 26, 2021

Save The Date! Week Without Violence, October 18-23 

Join YWCA USA to move "Beyond Resilience: From Surviving to Thriving!" This year's theme will provide information and resources for survivors and advocates, and work to end gender-based violence.

July 14, 2021

Are You YWCA USA's Next Senior Policy Analyst? 

If you're passionate about eliminating racism and empowering women, join the YWCA USA team! Apply today for the Senior Policy Analyst position.

July 12, 2021

Call for Applications, 2021 YWCA Young Women Leadership Cohort Program 

Women aged 18-30 who are actively involved in a local or national YWCA are invited to expand their skills at this year's leadership cohort (September 18 - December 17).