New to the Y

Welcome to the YMCA Retirement Fund

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:

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 401(a) Retirement Plan, you can roll over qualified savings into a Rollover Account or Roth Rollover Account in the 403(b) Savings Plan.

403(b) SAVINGS PLAN

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.

401(a) RETIREMENT PLAN

RETIREMENT PLAN

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.

Resources For New Employees

Why Save Now

Learn About The Importance Of Saving Early.

Learn More

403(b) Savings Plan

Save More For Retirement.

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