The YMCA Retirement Fund was incorporated in New York in 1921. As a 501(c)(3) not-for-profit corporation, the Fund is organized and operated for the purpose of providing retirement benefits for employees of participating YMCAs throughout the United States.

The Fund offers two plans to help YMCA employees build their retirement savings: the Retirement Plan and the Savings Plan. The Retirement Plan, is a 401(a) defined contribution church pension plan. You must meet the age and service requirements to enroll in the Retirement Plan. The Fund also sponsors the Tax-Deferred Savings Plan, which is a church retirement income account plan as defined in Section 403(b)(9) of the Internal Revenue Code, the Savings Plan is available to all employees of participating Ys from their first day of employment. ​In our 100-year history, we have kept our commitment to safety, security, and protected lifetime retirement income.  Your contributions are invested by the Fund for the long-term. Participant account balances have never gone down in value and monthly retirement payments have never been missed, even in times of market volatility. 

View our video, Who We Are, What We Offer below to learn more about the Fund.



The mission of the YMCA Retirement Fund is to empower YMCA employees to achieve economic security, enabling them to focus on strengthening communities through their work for the YMCA.

  • Enhance the safety and longevity of the plans
  • Offer attractive benefits
  • Ensure the satisfaction and confidence of our Participants, Retirees and YMCAs as employers


The YMCA Retirement Fund was incorporated in 1921 by a special act of the legislature of the State of New York.

Click here to learn more

1922-2022: OUR 100 YEARS

Explore the history and stories that shape the YMCA Retirement Fund.

Click here to view an interactive timelime and hear stories.


View the bios of our Board of Trustees, Senior Leadership, and Investment Team.

Click here to view the teams


The Investment Review is updated after the close of each quarter:

Click here to learn more


2022 Annual Report


Review governance material:


Claims Procedures