Membership Dues and Fees Agreement

This page is designed to make YMCA of Central Florida membership dues, fees, and refunds easy to understand. Our goal is to be clear, upfront, and fair so you can make confident decisions about your membership.

For complete membership terms and policies, please visit our Membership Policy page HERE.

How Are Membership Dues Billed?

Members may choose the billing option that works best for them.

  1. Monthly Billing
    • Membership dues are drafted automatically each month on your membership anniversary date
    • Dues are billed in advance and are not based on facility usage
    • Members who pay monthly using a bank account draft (ACH) receive a $2 per person savings each month
  2. Annual Billing
    • Annual memberships are paid in full at enrollment
    • Annual billing includes a 10 percent savings compared to monthly billing
    • No changes may be made to an annual membership during the annual billing period, including upgrades, downgrades, or cancellations
    • ACH monthly savings do not apply to annual memberships

When Am I Charged?

  • Monthly memberships are charged on your membership anniversary date each month
  • Annual memberships are charged in full at the time of enrollment

What Happens if My Payment Fails?

Members are responsible for keeping billing information current. This includes notifying the YMCA before:

  • A credit or debit card expires
  • A bank account changes
  • Funds may not be available to cover upcoming dues

Updates can be made by visiting any YMCA Family Center or calling 407-896-9220.

If a payment fails and the YMCA is not notified in advance, we will attempt to collect the balance and contact the member.

Please note:

  • Returned bank drafts (ACH) are processed by our third-party provider, TeleCheck, and may result in a $25 recovery fee
  • Credit card declines do not incur additional fees
  • Unresolved balances may result in membership cancellation

Setup Fee

A $45 Setup Fee applies to:

  • New memberships
  • Memberships reactivated after cancellation or non-payment

This fee helps offset administrative and onboarding costs.

Help With Membership Costs

As a community-supported nonprofit, the YMCA is committed to accessibility for all. Thanks to the generosity of our donors, financial assistance is available for qualifying individuals and families based on income and available funding.

Our team is happy to help. Please:

  • Call 407-896-9220
  • Visit any YMCA Family Center

Making Changes to Your Membership

Our team is happy to help. Members may:

  • Visit any YMCA Family Center
  • Call 407-896-9220

You can request assistance with:

  • Updating household members
  • Changing billing information
  • Adjusting membership type

Please note that some changes may affect billing amounts or billing dates. Details are outlined on our Membership Policy page.

Cancellation of Membership

Membership dues are billed in advance and continue until cancellation is completed. Non-use of YMCA facilities does not constitute cancellation.

Members may cancel their membership by:

  • Calling 407-896-9220
  • Visiting any YMCA Family Center
  • Online through your member account once available

Cancellation requests must be received on or before your billing anniversary date to avoid charges for the next billing cycle.

Membership Refunds

  • Monthly memberships are non-refundable
  • Cancellation before your billing anniversary date prevents future charges but does not result in a refund for the current billing period
  • Annual memberships are paid in full at enrollment and are non-refundable
  • No prorated refunds are issued for early cancellation

Annual and Termed Memberships

Annual memberships are non-refundable and non-transferable, and the membership must be renewed prior to expiring to avoid paying a set-up fee.

Membership Cancellation and Program Enrollment

Canceling a YMCA membership does not automatically cancel program enrollments. Members remain financially responsible for all active programs according to the applicable program cancellation and refund policies.

Programs purchased as a Member

Enrollment in YMCA programs at the member rate is a benefit available only to individuals with an active YMCA of Central Florida membership in good standing at the time of registration and for the entire duration of the program.

Members who register for a program at the member rate agree to maintain continuous membership, without interruption, through the last scheduled day of all the programs and/or sessions registered for.

If your YMCA membership is canceled, lapses, or otherwise terminates before the program end date, the member rate is no longer applicable for any remaining portion of the program.

  • In such cases, the participant must either:
    • Pay the difference between the member rate and the applicable non‑member rate for the full program or session, or
    • Cancel their program registration, subject to the YMCA’s existing Program Refund Agreement and timelines for refunds.
  • All membership changes, including cancellations, must follow the YMCA of Central Florida Membership Dues and Fees Agreement. No refunds or prorates are given for unused days of membership, and access continues until the end of the billing cycle.

Accepted Forms of Payment

The YMCA of Central Florida accepts:

  • Credit cards including Visa, Mastercard, American Express, and Discover
  • Debit cards
  • Bank account draft (ACH)

Other payment types, including digital wallets and peer-to-peer services, are not accepted.

Payment Security

The YMCA of Central Florida is PCI compliant and maintains strict confidentiality and security standards to protect member payment information.

Billing Responsibility

Membership dues are billed to one primary payer per membership account.

  • All household members are included under a single billing responsibility
  • Memberships cannot be split across multiple payers
  • Individuals who wish to be billed separately must enroll under separate memberships
  • Minor memberships require a parent or legal guardian as the billing responsible party

Third-Party Payments

Some memberships or programs may be paid through approved third-party providers. Additional terms and conditions may apply.

Returning to the YMCA

If a membership or program access was canceled due to non-payment, we would be happy to welcome you back.

To reactivate, you will need to:

  • Settle any outstanding balance
  • Pay the $45 Setup Fee

Reactivation can be completed by:

  • Calling 407-896-9220
  • Visiting any YMCA Family Center

Pricing Adjustments

To continue providing high-quality programs, facilities, and services, the YMCA of Central Florida reserves the right to periodically adjust membership and program dues and fees. Members will receive advance notice of any changes.

Program Refund Agreement

All refunds are subject to exception with approval from Family Center Executive Directors, in the event of extenuating circumstances.

Camp & Before and After School

  • If a participant withdraws from a program week 7 days prior to the activity start date, a full refund will be issued less a $10 processing fee.
  • If a participant withdraws from a program week once the activity start date has already passed, and the child has not attended, a 75% refund will be issued.
  • If a child has attended any of the days of the program week a refund will not be issued.
  • One-time Camp Registration Fees are non-refundable.

Recurring Camp and Before and / or After School Payments

  • Recurring Camp and Before and / or After School Payments must be cancelled at least 7 days prior to scheduled draft if recurring attendance is no longer needed. Failure to do so will result in that week’s draft being non-refundable.
  • Recurring Camp and Before and / or After School Payments are continuous every week regardless of use of Camp or school programs until the proper change procedure is followed. If for any reason your check or electronic draft is returned, it may be collected electronically through a third-party vendor. A minimum return fee of $20 will be assessed for this service. The YMCA is not responsible for any other collection fees assessed by individual banking institutions.
  • Participants whose electronic draft is returned and not resolved prior to the next draft date will have his or her program canceled by the YMCA. In order to enroll in additional YMCA programs, all outstanding balances must be paid in full.
  • Cancellation of recurring payment draft may result in enrollee(s) being removed from the program and placed on the waiting list. 

Sports

  • If a participant withdraws from the season 7 days prior to the activity start date, a full refund will be issued less a $10 processing fee.
  • If a participant withdraws from the season prior to the 2nd game of the sports season, a 75% refund will be processed.
  • After the 2nd game of the sports season, no refund will be issued. 

Swim Lessons

  • If a participant withdraws from the session 7 days prior to the activity start date, a full refund will be issued less a $10 processing fee.
  • If a participant withdraws from the aquatics session after the 1st swim lesson a 75% refund will be processed.
  • After the 2nd lesson of the aquatics session no refund will be issued.

Programs purchased as a Member

Enrollment in YMCA programs at the member rate is a benefit available only to individuals with an active YMCA of Central Florida membership in good standing at the time of registration and for the entire duration of the program.

Members who register for a program at the member rate agree to maintain continuous membership, without interruption, through the last scheduled day of all the programs and/or sessions registered for.

If your YMCA membership is canceled, lapses, or otherwise terminates before the program end date, the member rate is no longer applicable for any remaining portion of the program.

  • In such cases, the participant must either:
    • Pay the difference between the member rate and the applicable non‑member rate for the full program or session, or
    • Cancel their program registration, subject to the YMCA’s existing Program Refund Agreement and timelines for refunds.
  • All membership changes, including cancellations, must follow the YMCA of Central Florida Membership Dues and Fees Agreement. No refunds or prorates are given for unused days of membership, and access continues until the end of the billing cycle.