Secure Retirement for a Career of Service

Celebrating 100 years!

2025 marks the centennial of YWCARF and with it, a chance to celebrate both our legacy as one of the oldest pension plans for women and our vital supporting role in the YWCA’s mission.

Alt text lorem ipsum dolor.

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.

#40Plus

A chart that shows the growth of your retirement investment over time, based on our 40% match.

Take the uncertainty out of retirement planning with an annuity, an income guaranteed to last a lifetime.

YWCARF offers six monthly payment options for life, and you can elect to share your YWCA legacy with a loved one.

News & Updates

June 03, 2025

YWCA USA Media Toolkit Available for LGBTQ+ Equal Pay Day, June 17 

Download social media resources to highlight the discrimination and bias that LGBTQ+ people face in the workplace, with access to housing, and other factors that contribute to higher rates of poverty. Read more

May 23, 2025

Save the Date! June 4 Early Learning/Child Care Meeting 

Register for an upcoming call covering Head Start and other critical funding streams related to early learning and childcare work, 4pm EST. Read more

May 01, 2025

YWCARF Centennial Featured in Pensions & Investments Magazine

Elliott Buchholz, CEO, and Barbara Glass, Investment Committee chair, celebrate 100 years of empowering women through financial security. Read more