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

March 22, 2023

Racial Justice Outcomes Discussion, March 29 

Join Hayley Mueller from YWCA Minneapolis and Ginny Giles from YWCA Greater Minneapolis for a 3:00 p.m. Zoom discussion on racial justice outcomes from the 2021 and 2022 Program Surveys. Read more

March 08, 2023

Happy International Women's Day 2023!

This Women's History Month, learn about YWCARF's shared mission with the YWCA network, and download this month's media toolkit to celebrate sheroes and changemakers. Read more

March 01, 2023

Who’s Where Is About to Look Different! Meet YETI.

As of Monday, March 6th, YWCA Retirement Fund's Who’s Where system will have a new name and a new look! Introducing YETI (YWCA Eligibility Tracking and Invoicing). Read more