While you're employed by a YMCA, your Fund accounts grow based on the level of contributions being made and interest credited to your accounts. You can add to your savings by making voluntary contributions to a 403(b) Smart Account as well as by contributing to an After-Tax Account.
 

In the Fund, any earnings you receive are added to your account in the form of interest credits. The Fund's regular interest rate is 3%. If our investment earnings and our actuarial surplus are large enough, the Board may vote to provide additional interest credits.