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.

#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

October 04, 2024

Urgent: Hurricane Helene Relief 

In the wake of Hurricane Helene's devastation, help YWCAs on the front lines continue to aid impacted families by making a local or general donation. Read more

September 24, 2024

Sign Up for YWCA USA's Impact Webinar, October 3 

Join YWCA USA and Chloe McKenzie of 10Seven for "YWCA and 10Seven: Redefining Impact Together." Get updates on the partnership around wealth justice and the chance to ask questions. Read more

August 16, 2024

Join the YWomenVote Town Hall, September 7 

With the 2024 election less than three months away, join YWCA USA's Gen Z town hall live from Philadelphia. More than 200 seats have been reserved for local YWCAs and the event will be livestreamed. Read more