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

October 14, 2021

YWCA USA Names Margaret Mitchell Next CEO 

The YWCA USA Board of Directors has named Margaret Mitchell, current President and CEO or YWCA of Greater Cleveland, as its next CEO, effective January 3, 2022.

October 06, 2021

Register For "Reimagining The Role of Resilience" Virtual Town Hall, October 21 

Join YWCA USA for a discussion that reimagines the role of resilience for survivors of domestic and sexual violence.

October 05, 2021

Join YWCA Minneapolis on October 28 For "It's Time to Talk: Forums on Race" 

Don't miss this keynote event featuring author Ijeoma Oluo, followed by facilitated dialogues at various times from October 28-29. Register today!