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Y Retirement - The lifelong benefit of doing good
Trusted By YMCAs Since 1922

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.

100+Years of Service
125,000+People Served
24/7Virtual Support
The Lifelong Benefit
Don't take our word for it...
92% of Participantsare Satisfied with Y Retirement (2025 Plan Participant Survey)
Everything You Need

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. 

Resources at your finger tips

Take a Deeper Dive into the Benefit

Discover information and tools to help better understand how the benefit works for you

Understand Eligibility

Understand Eligibility

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

Track Your Progress

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

Plan for Retirement

Learn how to start your retirement journey and explore helpful resources for retirees.

Questions?

Success Stories

What YMCA Employees Are Saying

Real stories from real people building their retirement dreams

Y Retirement was more than an employee benefit—it was an investment in my future. Now, as a retiree, I have the confidence of knowing that my retirement income will be there month after month, allowing me to enjoy the life I worked hard to build.

F
FranceineRetiree, Missouri

I am so thankful for Y Retirement. It has allowed me to have a job that does good in the community and provide for my future. Throughout the years, I saved hoping to be able to retire early, and soon that will be a financial reality! The most exciting thing: knowing I am secure throughout the rest of my life!

L
LibbyParticipant, Arizona

The thing I love about Y Retirement is that while I am supporting and creating an environment for growth and development as a YMCA leader, Y Retirement has been supporting me in creating an environment where I can peacefully and confidently enter my next chapter.

W
WadeParticipant, Iowa

One of the important things I looked for as I started my career was long-term financial security. The vesting schedule, the contributions, and annuity provide something I couldn't get anywhere else. While I enjoy what I do, I look forward to the security of knowing that I can afford to retire when I am ready.

C
CarolParticipant, Florida