New to the Y

Welcome to the YMCA Retirement Fund

We provide retirement benefits for over 750 YMCAs across the country. We offer two plans to help YMCA employees build their retirement savings and reach their retirement goals: the Retirement Plan and the Savings Plan.

These benefits are exclusive to YMCA employees and are a generous reward for your career of service. We invite you to learn more about us in the video below:

HOW THE FUND WORKS

HOW THE FUND WORKS

We offer two plans to help YMCA employees build their retirement savings. Upon retirement, you have the option to convert account balance(s) into a generous, lifetime stream of monthly income payments, similar to a pension or annuity.

ROLLOVERS

ROLLOVERS

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

SAVINGS PLAN

SAVINGS PLAN

The Savings Plan, or the Fund's Smart Account, is a 403(b) income account plan, available to all employees of participating YMCAs at the start of their employment, regardless of age or hours worked. Your contributions to the Savings Plan are taken from your pre-tax pay through automatic payroll deductions and you can increase these contributions anytime during your career with the Y.

RETIREMENT PLAN

RETIREMENT PLAN

The Retirement Plan is a 401(a) defined contribution account balance plan. Once you have met the age and service eligibility requirements, your Y will enroll you in the Retirement Plan and will determine contributions based on your salary.

Resources For New Employees

Why Save Now

Learn About The Importance Of Saving Early.

Learn More

403(b) Smart Account

Take Advantage Of Tax-deferred Savings.

See Details

Learning Center

Our Participants' Stories

The Fund has allowed me to save money on my taxes and comfortably think about my future.
Bill Kanas Keep reading
The Fund allows me to see the big picture for years to come.
Gailmarie Sprague Keep reading
CONTACT US