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

January 27, 2023

Download the #BlackHistoryMonth 2023 Toolkit

This Black History Month, help raise awareness of the shared YWCA history of elevating and empowering Black women while advancing racial equity in your community. Read more

January 10, 2023

YWCA USA Board of Directors Nominations Now Open! 

Strategic, future-focused, passionate leaders are invited to apply for the extraordinary opportunity to serve the network's mission. Submit all applications online to the Governance Commitee by 2/1. Read more

December 16, 2022

Check Out the End-Of-Year Giving Toolkit 

Finish the last few weeks of 2022 fundraising strong with help from YWCA USA's graphic and communication resources. Read more