Membership Guide

Welcome to the Saginaw YMCA! Your membership is more than just access to a facility - it’s an invitation to join a supportive community focused on health, wellness, and personal growth. This guide will walk you through everything you need to know about your membership, from facility amenities and program options to policies and member benefits. We’re here to help you make the most of your YMCA experience!

Learn More About Memberships

Nationwide YMCA Membership and Waiver

Here is a link to assist you in locating other YMCAs, starting in Michigan.

By participating in the YMCA Nationwide Membership Program, I agree to release the National Council of Young Men’s Christian Associations of the United States of America, and its independent and autonomous member associations in the United States and Puerto Rico, from claims of negligence for bodily injury or death in connection with the use of YMCA facilities, and from any liability for other claims, including loss of property, to the fullest extent of the law.

Members must still use their home YMCA at least 50% of the time.
Present a valid YMCA membership ID card and a photo ID.
Depending on the YMCA, some restrictions may apply, so members are encouraged to check with the Y they plan to visit or their website ahead of time to learn specifics

Membership Rates are Income and Need Based

The YMCA of Saginaw is a not-for-profit, charitable, health and human services organization committed to helping ALL people grow in spirit, mind and body. We offer affordable monthly membership rates for families, adults, young adults and youth. Financial aid is available to make a Y membership affordable to everyone! Every day, the YMCA of Saginaw offers quality, affordable programs and services designed to benefit people of all incomes and backgrounds. The Y uses contributed funds to ensure that those unable to pay the stated amount are able to participate.

Those unable to pay the full fee may receive financial assistance based on their demonstrated ability to pay and the Y’s ability to fund the subsidy.

Affirmation of Non-Discrimination

At a meeting of the governing board of the YMCA of Saginaw, held on January 27, 1995, the board adopted a policy:

“It shall be the policy of the YMCA of Saginaw to provide equal membership/employment/service opportunities to all eligible persons without regard to race, religion, color, national origin, citizenship, age, sex, marital status, parental status, handicap, membership in any labor organization and political affiliation. The YMCA will also provide equal employment opportunities without regard to height, weight and record or arrest without conviction.”

Financial Assistance

Don’t file or don’t have your copy of your taxes?

Our fair share pricing is a simple, easy-to-understand pricing model that applies the appropriate membership rate based on the number of people in your household who choose to be members and your annual household income.

In order to adjust your rate, you must present a current tax return to verify household income at the time you join and again annually on your join anniversary date.

Accepted documents for income verification include the 2025 1040, 1040 EZ and 1040A.
We cannot accept: W2’s, SSI Letter, Government Assistance Letter alone.
Fair Share Application

Request the documentation: https://www.irs.gov/individuals/get-transcript (You will receive it in the mail in 5-10 days). Then bring it to us with your proof of income and this printable form completed. Verification happens on the spot – we do not keep copies of your tax information.

We Accept:

Silver Sneakers
Silver & Fit
Renew Active (formerly AARP Medicare Supplement Programs)

Joiner’s Fee

Due at time of joining with prorated member fee

Guest Pass with a Member

Share your love of the Y. Sweat with a buddy!

Guests can attend 3 times in DURING THEIR LIFETIME for FREE when accompanied by a current member. Members are responsible for their guest.

Members age 18+ may bring in a guest as long as both the member and the guest provide a valid picture ID.
There are no exceptions to this policy.
Must not owe a past balance.
The adult member checking them in must remain with their guest(s) at all times while in the YMCA.
All guests must register at the Welcome Desk each time they visit.
After three complimentary visits, the guest must purchase a membership or day pass to access the facility.
Guests must comply with the philosophy of the YMCA during their visit.

Purchase a Day Pass

Ask about purchasing a day pass or the best option is to join the Y with your own membership!

Must be age 18+ and show photo ID.
Not owe a past balance
Call (989) 753-7721 ext 0 for current rates