GCS Credit Union
618.797.7993
GCS is a full service financial institution serving the following counties in Illinois: Madison, St. Clair, Jersey, Macoupin, Montgomery, Bond, Clinton, Washington, Randolph, and Monroe.

How to Choose the Right Credit Card for Your Needs

A credit union in O’Fallon offers many different kinds of loans and lines of credit. When it comes to credit cards specifically, it is important to research your options ahead of time. No two credit cards are alike, and different cards are specifically geared toward individuals with certain financial histories, needs, and goals. Read on to learn why you should research credit history, consider financial goals, and analyze rewards options when you choose a credit card.

Research Credit History

The first step in choosing the right credit card is accessing your credit score. With the help of your credit union, you can pull your credit report and get the financial education tools you need to understand your situation. If you have solid credit, you will qualify for a low-interest rate. As long as you continue to pay down your balance each month, you can maintain superior credit while still having access to funds whenever you need them.

Consider Financial Goals

As you consider your credit car options, make sure to think about your short-term and long-term financial goals. If you are trying to consolidate debt, look for the lowest interest rate possible so you can minimize fee payments and interest. Because you have so many options, experts advise against limiting your selections too early. Make sure your card offers the tools you need, like online bill pay.

Analyze Rewards Options

Credit card rewards can go a long way toward improving your life. With cards like the Visa rewards credit card, you can expect the benefits to add up every time you swipe your card. Today, credit cards offer extra perks like airline miles, hotel points, shopping discounts, and more. If you are a heavy credit card user, these rewards can let you travel for free throughout the year.

Find out more about the credit cards offered by GCS Credit Union by contacting us today. Whether you want to finance a new business, pay for a vacation, or simply need a credit card in case of emergency, you can call us at (618) 797-7993.

Additional Services from GCS Credit Union

GCS Credit Union in O’Fallon is your primary destination for auto loans, home mortgage loans, and traditional and online banking services. However, our credit union offers even more than just accounts and loans.

At GCS Credit Union, we offer a special automated teller known as MARTI. MARTI can assist you with a wide range of transactions, simplifying the process of handling your checking account or paying your Visa rewards credit card. To bank by phone with MARTI, just register your unique four-digit PIN and follow the voice prompts after calling. GCS Credit Union also offers direct deposit. With direct deposit, you can have your paycheck automatically deposited into your checking account, so you can access your cash faster. GCS Credit Union also helps you understand your credit report. Not only will you get your credit score, but you will also have access to different financial education resources so you can stay on top of your finances.

Find out even more about the services offered by our credit union. Contact GCS Credit Union at (618) 797-7993. We take pride in offering the most competitive auto loans and home mortgage loans, and also offer traditional banking services both online and in person.

Refinancing a Car Loan

Are you considering refinancing auto loans in O’Fallon? Watch this video to find out if refinancing your car loan may be in your best financial interest.

Refinancing auto loans is actually much simpler than it seems. First, go to your local credit union to inquire about rates for auto loans. In addition to online banking, your local credit union will almost surely have the best rate available. As long as you have a solid credit score, your credit union will offer competitive rates that can save you money and time.

For everything you need to know about auto loans and home mortgage loans, look no further than GCS Credit Union. Contact GCS Credit Union at (618) 797-7993. We take pride in offering the most competitive auto loans and home mortgage loans, and also offer traditional banking services both online and in person.

Understanding How Online Banking Works

Online banking in O’Fallon has quickly become the preferred method of banking for businesses and consumers alike. Whether you have a single checking account or want to schedule automatic payments for auto loans and home mortgage loans, online banking offers unparalleled efficiency. If you grew up visiting a bank to cash checks and transfer funds in person, online banking may seem overwhelming at first. Keep reading to better understand just how online banking works by offering extra features, additional savings, and more security.

Extra Features

One of the best things about online banking is that it offers features above and beyond what a credit union that is brick and mortar only can deliver. For example, a credit union that offers online banking often allows for direct deposit. That means your paycheck goes into your account with little to no waiting time before you can access your funds.

Additional Savings

Online banking offers consumers almost untold savings. How? Online banking eliminates charges for maintaining a checking account, ordering physical checks, and using an ATM at a bank or credit union other than your own. Conversely, online banking is accompanied with few fees, because less paper and fewer in person interactions translates into a lower cost of doing business for the credit union.

More Security

Online banking offers consumers more security because websites are now heavily encrypted and highly technical. For many people, the idea of managing their checking account and paying bills online was initially intimidating. However, a credit union now takes steps to ensure that all online banking transactions are completely secure and protected. Additionally, you can access your account information and review activity at any time.

GCS Credit Union is pleased to offer online banking to our clients. We have been offer banking services since 1941, and we are proud to provide the very latest technologies and personalized customer service. Call us at (618) 797-7993 to learn more about our consumer-oriented business model.

Credit Unions and the Rise of Auto Lending

Need a new set of wheels? Before you apply for in-house financing at the dealership, head for your local credit union. Dealership financing tends to involve unfavorable interest rates and restrictive terms for borrowers. You’ll find that the interest rates at your local credit union are far more advantageous for your wallet. In fact, during the past few years, credit unions have demonstrated remarkable growth in auto loans.

Improving Economic Conditions

According to Forbes magazine, there has been a 30 percent increase in auto lending among credit unions in the U.S. since 2012. During the third quarter of 2014 alone, auto loans from credit unions totaled nearly $225 billion-a figure that includes both new and used autos. This was a significant increase from the third quarter of 2013, which had $193 billion in auto loans. Economists note that improving economic conditions have contributed to the rise of auto lending from credit unions. The unemployment rate has been declining, wages have been increasing, and gas prices have been steadily dropping. All of these factors have given consumers greater confidence in the economy in general and their personal finances in particular.

Competitive Lending from Credit Unions

Since the recession, many consumers have made greater efforts to become better informed about their financial decisions. Increasingly, consumers have turned to credit unions for favorable lending arrangements. Credit unions have a reputation for offering interest rates that are consistently lower than auto loans from a bank or financing through a dealership. Additionally, some credit unions offer auto discounts to their members, such as a discount for purchasing environmentally friendly hybrid vehicles.

When it’s time to shop around for your new or gently used vehicle, stop by GCS Credit Union first and ask about our auto loans in O’Fallon. Our credit union is proud to serve the Metro East community with competitive rates, flexible terms, and exceptional member service. Call (618) 797-7993 or visit our website to view our convenient list of GCS Indirect Auto Dealers, car buying tips, and incredible auto discounts!

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Hours

  • Monday 8:30am — 5:00pm
  • Tuesday 8:30am — 5:00pm
  • Wednesday 10:00am — 5:00pm
  • Thursday 8:30am — 5:00pm
  • Friday 8:30am — 6:00pm
  • Saturday 8:30am — 12:00pm