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    GCS Donates to The Granite City APA

    Last updated 12 days ago

    In an ongoing effort to support the local community, GCS employees had the option to wear jeans on Fridays and Saturdays throughout the month in exchange for a donation. For the month of September, GCS employees raised $470 for the Granite City APA and presented a check at their office.

    The Granite City APA is a nonprofit, no-kill animal shelter located on the outskirts of Granite City. Since the GCAPA receives no city, county or federal assistance, they rely strictly on donations.

    To find out more about the Granite City APA or to make a donation, visit To find out more about GCS, visit

    Founded in 1941, GCS Credit Union currently has assets of more than $315 million. GCS serves more than 41,000 members Bond, Clinton, Jersey, Macoupin, Madison, Monroe, Montgomery, Randolph, St. Clair and Washington Counties in Illinois via 7 conveniently located branches, numerous ATM locations, and 24-hour account access through a telephone audio response system and PCU online banking.

    eStatements – Reasons to Consider the Switch

    Last updated 16 days ago

    Are you tired of the clutter of paper statements? If so, take advantage of eStatements from GCS Credit Union. You can conveniently track all of your account information from your electronic devices. Easy access to your account info is just one reason to make the switch to eStatements. Consider these other benefits.

    Paper statements aren’t just clutter. They also make the job easier for people trying to steal your financial information and identity. When you choose eStatements, you don’t have to worry about what happens to your financial records when you throw them away, because there is no waste. You’ll also get your statements quicker when you get them online, and of course, your eStatements can always be printed if needed.

    In addition to these great benefits, eStatements also help GCS Credit Union do our part for protecting the environment. Making the switch to eStatements is easy. Talk to a representative at our O’Fallon credit union about stopping your paper statements, and don’t forget to ask about our other financial services, including auto loans and debit cards. Get more information by calling (618) 219-8600. 

    A Beginner's Guide to Credit Cards

    Last updated 18 days ago

    Getting a credit card can be an important first step towards building credit and creating a bright financial future, but managing it correctly is essential. Misunderstanding how credit cards work and how to use them to your advantage could leave you facing big bills and lots of interest payments. When you’re ready to get your first credit card, ask your credit union representative about your options and which may be a good first card for you. When your new card is in your hands, here’s how to get the most from it. 

    Know Your Account Rules

    Familiarize yourself with how your credit card account works. Know what your interest rate is, the date of your bill cycle, and what the penalties are for going over your limit or paying late. Although credit cards can be smart ways to spend, making a mistake with your account can be costly.

    Aim for a Zero Balance

    Buying something with a credit card may feel like shopping with a debit card, but it’s very different. With your credit card, you can spend money you don’t actually have right now – but that doesn’t mean you should spend beyond your means. The best way to use a credit card is to pay off your balance in full each month, before interest starts accumulating. If you need to use your card to spread out the cost of a big purchase, make sure you have a plan for paying off your balance as quickly as possible.

    Review Your Statements

    Be sure to look at your statement in full each month. Instead of paying attention to only the balance, look at each transaction closely. If you see anything you don’t recognize, alert your credit union right away to protect yourself from credit card fraud.

    The GCS Credit Union Visa offers low monthly interest rates and no fees for qualified credit union members. Visit our website or call our O’Fallon credit union at (618) 219-8600 to get answers to your questions. 

    Taking Control of Your First Checking Account

    Last updated 23 days ago

    Opening your first checking account is exciting, and learning how to manage it will set you on the right track towards financial stability. Staying on top of your account only requires a few simple steps. This video explains more. 

    Start by talking to your credit union about the rules associated with your account. It’s important to know about any fees and if there is anything you can do to avoid them, so you can plan your spending accordingly. Be sure to track your spending and subtract the money you spend from your account balance so you don’t overdraw your account.

    Any representative at GCS Credit Union in O’Fallon, IL can answer questions you may have about your checking account and all of our credit union services. Find out more by calling (618) 219-8600. 

    How to Recover From a Hit to Your Budget

    Last updated 25 days ago

    Despite your best efforts, your budget may hit a bump in the road. An unexpected expense, like a medical bill or car repair, may pop up, or your simply may end up overspending on a big event, like a vacation or holiday shopping. Whatever the reason for your budgetary falter, the trick is to get back on track before it becomes a bigger issue. If you need help building a better budget, make an appointment to discuss your financial goals with a credit union representative. The following tips will help you reign in your budget when it gets off track. 

    Review Your Budget

    Take the time to comb through your budget and see if you need to make some changes. If you overspent, it may be time to divert money from as many places as you can until you recover and pay off any debt you accumulated. Once you’re back on top, you can revise the budget again and ease your restrictions on discretionary spending.

    Focus on Your Credit Cards

    If you made major charges on your credit card, make paying those balances off a priority. Carrying credit card debt can be costly because interest accrues on the balance. Whenever possible, you should pay off your credit card balances in full each month. If you can’t, hold off on spending until you can get those balances to zero. Not having to pay that interest will give you a fresh start with your budget.

    Plan for the Next Time

    You can’t always plan for the things that take a bite out of your budget, but see if there are steps you can take to be better prepared to face a financial emergency in the future. Talk to your credit union about different account options, and consider using things like a Christmas Club account to save for major spending periods.

    GCS Credit Union is invested in the financial success of our members. Visit our O’Fallon, IL credit union to learn about the tools we provide to make managing your money easy, from checking accounts to auto loans. Call our credit union today at (618) 219-8600 for more information. 

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  • 10:00 AM to 5:00 PM Wednesday
  • 8:30 AM to 5:00 PM Thursday
  • 8:30 AM to 6:00 PM Friday
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