We provide retirement benefits for over 700 YMCAs across the country. We offer two plans to help YMCA employees build their retirement savings and reach their retirement goals: the 401(a) Retirement Plan and the 403(b) Savings Plan.
These benefits are exclusive to YMCA employees and are a generous reward for your service. We invite you to learn more about us in the video below:
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.
Whatever your age, length of YMCA service, hours worked, or eligibility in the 401(a) Retirement Plan, you can roll over qualified savings into a Rollover Account or Roth Rollover Account in the 403(b) Savings Plan.
The 403(b) Savings Plan is a church retirement 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 pay – either on a pre-tax basis to the Tax-Deferred Account, or on an after-tax basis to the Roth Account - through automatic payroll deductions and you can start, stop, or change the amount of your contributions at anytime during your career with the Y.
The 401(a) Retirement Plan is a multiple employer, defined contribution, money purchase pension plan and is also a church 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.
Learn About The Importance Of Saving Early.
Save More For Retirement.
We are your partners in saving and planning for retirement. Don't hesitate to contact us with any questions you may have about saving with the Fund.