Celebrating 100 years!
2025 marked 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.
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 YWCAs throughout the USA 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
We’re Modernizing the YETI Interface!
YWCA Retirement administrators: Here's what to expect when the changes go live on Monday, June 8. Read more
Join Virtual Meeting for Until Justice Just Is 2026: A Call to Action, May 7, 3 PM EST
Join movement leaders and advocates from Southern Poverty Law Center, YWCA Mahoning Valley, and YWCA USA as they explore the critical connection between racial justice and voting rights. Read more
Until Justic Just Is (UJJI): Voting Rights at 250
This year's UJJI challenge explores topics such as reflecting honestly on progress made in expanding access to the ballot, inequities that still persist, and how to protect the right to vote. Read more