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

November 16, 2022

YWCA Employment Opportunities 

Ready to make a change? Check out available job opportunities across the YWCA network. Read more

November 09, 2022

Read Margaret Mitchell's Statement on the 2022 Midterms 

YWCA USA's CEO thanks the more than 130 associations, coast to coast, that got out the vote for more 7,000 local, state, and federal elections. Read more

November 02, 2022

Share Your Child Care Stories 

Help YWCA USA highlight the need for investment in the Child Care Stabilization Program, which has helped associations keep their doors open and protected employment for more than 1 million workers. Read more