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Human Resources

Retirement Plans

As a CWU employee, a key part of your compensation and future security is your retirement plan. Whether you are a newly-eligible employee, long-time employee, or thinking of retiring - this website has information on topics including your basic retirement plan, saving more for retirement through supplemental plans, and preparing for retirement.


Retirement Plans

Faculty and Administrative/
Exempt Staff

Faculty and administrative staff may choose to participate in the Central Washington University Retirement Plan (CWURP) or a Washington State TRS 3 plan. The CWURP is a 403(b), defined contribution plan with required contribution rates based on age, immediate vesting, and 100% matching contribution by the university. The TRS 3 plan consists of a defined contribution component contributed to by the employee and a defined benefit component contributed to by the university.

CWU Retirement Plan (CWURP)

Teachers Retirement System (TRS)

Classified StaffClassified staff members participate in the Public Employees Retirement System (PERS) and must choose between plans 2 and 3 within the first 90 days of employment. Campus Police participate in the Law Enforcement Officers and Firefighters Retirement System (LEOFF). PERS and LEOFF are defined benefit pension plans through the Washington State Department of Retirement Systems.

Law Enforcement Officers' & Fire Fighters' Retirement System (LEOFF)

Public Employees' Retirement System (PERS)


Optional Retirement Plans
Voluntary Investment Plan (VIP)
The Voluntary Investment Plan (VIP) supplemental retirement savings program (an IRC Section 403b plan) offers you the opportunity to invest additional funds toward your future. As a Central employee, you are eligible to participate in the (VIP) at any time regardless of whether you are enrolled in one of the basic Central retirement plans.
Voluntary Investment Plan (VIP)
Deferred Compensation
The Washington State Deferred Compensation Program (DCP) is a supplemental retirement savings program (an IRC Section 457 plan) that offers you the opportunity to invest money toward securing the retirement you envision. Whether you've been saving for years, or just getting started, DCP offers you an excellent opportunity to enhance your financial future:
Deferred Compensation


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