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. 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 YMCA Retirement Fund sponsors two Plans:

  • The Retirement Plan is a 401(a) defined contribution account balance plan that elected into certain provisions of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). Employees must meet certain eligibility criteria to be enrolled in this Plan.
Account Type Source of Contribution Tax Issues
Personal Account Participant after-tax contributions via payroll deductions (Includes contributions paid by the Y on the behalf of the participant for payroll dates prior to 7/1/09) Contributions made by the participant have already been taxed. The interest credited along with any contributions that were made by the Y on the participant’s behalf are taxed when the participant receives a distribution.
YMCA Account
(created 7/1/09)
The Y Contributions and the interest credited are taxed when the participant receives a distribution.


  • The Savings Plan is a church retirement income account plan as defined in Section 403(b)(9) of the Internal Revenue Code. Any employee can participate in this Plan. It is not subject to the same eligibility rules of the Retirement Plan.
Account Type Source of Contribution Tax Issues
403(b) Smart Account Any Y employee (contributions via payroll deduction only) Contributions are made pre-tax. Contributions and interest credited are taxed when the participant receives a distribution.
Rollover Account Amounts previously contributed to an eligible employer’s plan or IRA Rolled-in amounts and interest credited are taxed when the participant receives a distribution. If a portion of the account was already taxed, it will not be taxed when withdrawn.
YERDI (YMCA Employee Retirement Data Interchange)

This web-based software is used by all participating Ys to submit retirement information to the Fund. If you do not already have access to YERDI, you must ask a current user at your Y to log in to YERDI and request that an account be set up under Apply for new YERDI login in the Home section. If no one at your Y has access to YERDI, please contact the Fund’s Customer Service Department to set up your account.


Essential Resources
  1. Your YMCA Retirement Fund: One Fund, Two Plans one-pager is an easy to understand introduction to the Retirement Plan and the Savings Plan. A copy is included in the Welcome Kit that the Fund sends to all new participants.
  2. The Summary Plan Description Booklet is a booklet containing the Summary Plan Descriptions for the two Plans sponsored by the YMCA Retirement Fund, summaries of various procedures, and a glossary of terms,
  3. The Retirement Plan and the Savings Plan are the official documents that govern the Fund. If you are an LPA or a Plan participant and want to receive a copy, please contact the Customer Service Department at 800-RET-YMCA. You can also read an overview of the Retirement Plan and the Savings Plan or refer to the information in the Summary Plan Description Booklet.
  4. Our Customer Service Department is available to answer your questions at 800-RET-YMCA, Monday through Friday, from 9:00 AM to 5:00 PM Eastern Time.