GCS Credit Union
GCS is a full-service financial institution serving the following counties in Illinois: Sangamon, Logan, Macon, Marion, Jefferson, Perry, Jackson, Williamson, Jersey, Macoupin, Montgomery, Madison, Bond, Clinton, St. Clair, Monroe, Washington and Randolph.

A New Member's Guide to Switching to GCS

If you have made the decision to join a credit union and switch to GSC, our team will make the process as smooth and easy as possible. Our Member Services reps are on standby to help with any issues that arise as you make the switch. After you have applied to join the credit union and have received your approval, take the steps to make your switch complete.

Change Your Direct Deposit Information

To avoid any delays in getting paid, the first thing to do is notify your employer and anyone else who sends you money via direct deposit about your new account. You will need to provide your new credit union account number and the routing number of GCS

Credit Union—281076853. Be sure to specify whether the money is being paid into a checking account or savings account. As soon as the party making payment adjusts your information, your direct deposits should continue to flow as before.

Move Automatic Payments

If you have automatic payments coming out of your previous checking account, update that information so that the payments come out of your new account. GCS Bill Pay allows you to manage all of your bills online in a single location. You can also set up automatic withdrawals using your account and routing numbers or update your payment arrangements with your new debit card number.

Close Your Previous Accounts

Once all of your new deposits and payments are set up, you can close your old banking accounts. Before you make the transition, be sure all of your outstanding checks have cleared our old account and that all of your automatic transactions have been successfully updated with your new account information.

Are you ready to make the switch to GCS Credit Union? We offer competitive rates a comprehensive range of financial products, including secure online banking in O’Fallon. You can learn more by contacting our credit union at (618) 797-7993.

A Look at Credit Card Debt in America

Americans have more than a trillion dollars in credit card debt, according to this video from credit reporting bureau Experian. If you’re one of the many people carrying credit card balances, you could be paying more for everything from auto loans to mortgages.

Watch this video to learn more about credit card debt in America, as well as tips for managing your balances. Keep in mind that low balances and on-time payments can save you significant money in interest in the long run.

At GCS Credit Union, in addition to our competitive rates for all of our accounts, including our Visa Rewards credit card, our credit union staff can help you make the right decisions about managing your money. Find out more about joining our credit union in O’Fallon by calling (618) 797-7993.

Is It Ever Too Early to Start Saving for Retirement?

Saving for retirement is something that is on everyone’s mind, especially since people are working for longer than ever and traditional retirement is changing. When is the right time to start saving, and how should young people prioritize their savings goals at a time when they are also saving for things like home mortgage loans?

Although young people may have different immediate financial priorities, it is never too early for anybody to start saving for retirement. People who start saving even a small portion of their incomes at an early age will have longer to let that money grow and collect interest, putting them in a healthy position when they reach retirement age.

Let GCS Credit Union help you make the right decisions to make your money work for you at any age. To learn more about all of our services, from checking accounts to online bill pay, contact our credit union in O’Fallon at (618) 797-7993.

Online Banking Safety 101

If you are considering using online banking to manage your credit union accounts, you may be wondering if it is really safe. After all, there are many horror stories about identity theft and security breaches. Is your information really safe when you use online banking?

Watch this video to find out what the experts say about online banking. As long as you are using a trusted company, online banking is completely safe. At GCS Credit Union, our online banking has integrated, top-level security features to protect your information with every log-in.

Do you have questions about online banking in O’Fallon? Call GCS Credit Union to learn more about online banking and all of our mobile services. Dial (618) 797-7993 for much more information.

The Dos and Don'ts of Buying a Car

If you’re in the market for a car, you know how many decisions you have to make along the way to finding your perfect ride. Since cars are one of the biggest purchases most people ever make, it is important to take your time and make the right choices for your wallet and your lifestyle. As you consider your options for buying a car, keep these dos and don’ts in mind.

DO: Research Your Purchase Before You Buy

Before you start car shopping, research some of the models you are considering buying. Investigate reviews, quality ratings, trim options, and long-term value. All of these things will help you select a car that meets your needs, is safe and reliable, and has the features you want at a price you can afford. If you see any promotions from car dealerships that catch your attention, be sure to read the small print, so you know exactly what make and model is being offered.

DON’T: Focus on the Monthly Payment

Of course, having a monthly payment you can afford is important, but focusing on the overall price of the car, including the interest rate, will help you know if you are getting a good deal. Look at the total price of the car, keeping in mind that, with good credit, it should cost about $20 for every $1,000 financed for a 60-month auto loan. Although there are variations in that price based on credit history, it is a good guideline to remember when evaluating the deal you’re getting.

DO: Get Advice from Your Credit Union

Not only can your credit union almost certainly offer a lower rate on a loan than a dealership, but they are also motivated for you to make smart financial decisions. As nonprofit, member-owned institutions, credit unions listen to your needs and can advise you how much you can afford to spend on a car.

GCS Credit Union offers competitive rates on auto loans in O’Fallon and can help you make the right choice about your car purchase. Contact our credit union today by calling (618) 797-7993.

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  • 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