How The Fund Works


Aside from you and your YMCA’s regular contributions to the Plans, there are a few other features that involve money going into, and out of, the Fund.

See how much to contribute

Contribution Limits Calculator
Determine the maximum amount you can contribute 

See how much to save now

Retirement Goal

The 403(b) Smart Account

Any employee of a participating Y can participate in the Savings Plan by opening a 403(b) Smart Account at any time during their Y employment.


Whatever your age, length of Y service, hours worked, or eligibility in the Retirement Plan, you can roll over qualified retirement savings into a Rollover Account in the Savings Plan.


While you are working for a participating Y, you can borrow money from your accounts in the Savings Plan — the 403(b) Smart Account and the Rollover Account.


An outline of your withdrawal options while working for the Y and after you leave the Y.

Annuity Basics and Options

If you are no longer working for a YMCA, you can start a lifetime annuity as early as age 55.