Is your contact information up to date? Get in touch with us at 1-800-222-4738 to keep our records accurate, and to ensure that you don't miss any correspondence about your YWCARF account.

Is your contact information up to date? Get in touch with us at 1-800-222-4738 to keep our records accurate, and to ensure that you don't miss any correspondence about your YWCARF account.

Is your contact information up to date? Get in touch with us at 1-800-222-4738 to keep our records accurate, and to ensure that you don't miss any correspondence about your YWCARF account.

Our Best-Kept Secret: The 40% Match

    A locked-in monthly addition to your account.

    Your YWCA association makes a monthly contribution to your retirement account based on your salary. That contribution then accrues interest provided by the Fund, calculated annually using the average of 10-year Treasury securities for the month of October in the preceding year.

    But did you know that YWCARF credits your account monthly with an additional 40% of your association’s contribution?


    While the interest your account receives is dependent on the investment markets, the 40% match is locked in. This very important step in your account growth impacts your monthly contribution as below.

    Participants who are not considered Highly Compensated Employees can make additional after-tax contributions on a monthly basis. Find out more.

    For more information on how your YWCARF account is structured, we invite you to watch this short video.