The Lifelong Benefit
of Doing Good
Built by and for Y employees, the YMCA Retirement Fund is dedicated to ensuring the good you do now comes back full circle when you retire with guaranteed income for life.
Click here to get started today or choose one of the buttons below to create or log in to your secure, online account.

Your Future Self is Depending on You
Explore more about the unique retirement benefit that you can enjoy as a YMCA employee!
401(a) Retirement Plan
Incorporates features of both a “traditional” retirement savings plan and a pension plan to help you save now and get guaranteed income when you retire from the Y.
403(b) Savings Plan
Provides flexibility to save in a way that works for your personal retirement goals. Choose the Tax-Deferred Account, Roth Account, or both!
Lifetime Income
Convert your Y Retirement savings—when you’re ready—into a guaranteed stream of monthly income payments that you cannot outlive.
Access Your Savings
Understand all the ways in which you may be able to access your Y Retirement savings.
Learning Center
Explore videos and other resources that make learning about Y Retirement easy and fun—all at your own pace!
Forms and Publications
View and download important documents that can help you get the most out of your Y Retirement benefit.
Take a Deeper Dive into the Benefit
Discover information and tools to help better understand how the benefit works for you

Understand Eligibility
Find out how you can become eligible for the 401(a) Retirement Plan and when your savings may vest.

Track Your Progress
Use the Lifetime Income Tracker to see how your savings can grow, and what lifetime income may look like for you!

Plan for Retirement
Learn how to start your retirement journey and explore helpful resources for retirees.
What Would You Like To Do Today?
Quick access to the most common tasks and resources