GCS Credit Union
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.

Teach Your Kids Smart Money Habits

It is never too early to begin developing smart money habits; although children are not lining up to set up checking accounts in O’Fallon, even they can practice saving their allowances. Watch this video clip for help in teaching your kids smart money habits.

Financial responsibility is an integral part of maturity and adulthood, so it helps to teach your kids about the benefits of wise spending. Help your children understand that some investments are smarter than others, and that saving money today can help them to gain something they truly desire in the future. The earlier these values are instilled, the more effective they will be.

Get your kids started on the right foot by teaching them about smart money habits. Call GCS Credit Union at (618) 797-7993 to learn about online banking including online checking accounts and bill paying. You can also visit our website to learn about our home mortgage and auto loans.

Easy Ways to Boost Your Savings Account

Between food, bills, and home mortgage loans, it can be difficult to save up and treat yourself to a nice vacation or spa day. Fortunately, there are a few things that you can do in order to save up, even if your checking account has seen better days. Here is a look at a few easy ways to boost your savings account.

Get Into the Habit of Saving
Saving money is a learned practice; fortunately, there is a fast track. Whenever you receive a paycheck, deposit a portion of that money directly into your savings account before spending it on anything else. After you have done that you can address your bills and other expenses. Regardless of how much money you decide to save from each paycheck, the important part is that your savings account is the first to be paid. Many choose to set up a system that automatically deposits a portion of their paychecks into their savings accounts.

Resist Spending
Overspending may be a bad habit, but it is not an unbreakable one. Automatically depositing money into your savings account and addressing your bills leaves less money in your pocket. Since the important things are already being taken care of, this means that you will have less to spend on unnecessary purchases.

Create an Emergency Fund
An emergency fund is an important key to financial stability. Whether it doubles as your savings account or is another account entirely, add a little bit of money to an emergency fund so that you can keep yourself afloat in times of distress. See if your credit union offers savings accounts that garner interest in order to grow your emergency fund.

If you would like to learn more about the easy ways in which you can boost your savings account, contact GCS Credit Union or visit our website. We provide the O’Fallon area with a variety of online banking services as well as home mortgage and auto loans. Feel free to give us a call at (618) 797-7993 if you would like to learn more about the benefits of becoming a member.

Happy Earth Day from GCS Credit Union!

Happy Earth Day from GCS Credit Union! Go Green today by using our mobile and online banking! Save a tree today and pay your bills online using our Bill Pay! Check out our website for more information!

GCS Credit Union Donates to UCPH Center for Autism

In honor of Autism Awareness Month, GCS Credit Union has donated the proceeds from April’s Jean Day charity drive to UCP Heartland. GCS employees had the option to wear jeans on Fridays and Saturdays in April in exchange for a minimum $15 donation. This month employees from all 7 branches were able to
raise $1,057 for the organization.

United Cerebral Palsy Heartland is a nonprofit United Way Agency that
provides high quality programs and support to individuals with disabilities in Central and Eastern Missouri and Southwestern Illinois. UCP Heartland has been dedicated to serving the needs and advancing the independence of individuals with Cerebral palsy, Down Syndrome, Autism Spectrum Disorder, traumatic brain injuries, and other physical and developmental disabilities since 1953.

GCS has hosted Jean Days for employees every month for several years,
and in that time they have regularly donated proceeds to local charities and
nonprofit agencies.

To find out more about UCP Heartland, visit ucpheartland.org. To learn
more about GCS Credit Union, visit myGCScu.com.

Avoiding Common Money Management Mistakes

Financial stability is highly coveted and often requires a great deal of hard work. Fortunately, money management does not have to be difficult thanks to credit unions in O’Fallon.

Saving for your future is always a good option, but it can take a great deal of discipline to be able to stick to the plan you make. You can help yourself by having your paychecks automatically distributed to the proper venues. This will leave less cash in your pocket, so you will be less tempted to mismanage your money and overspend. It is also a good idea to go with shorter leases and quicker payments when it comes to purchasing a car. Longer leases can keep you trapped in a cycle of monthly payments for a car that has been steadily losing value.

If you would like to avoid common money management mistakes, call GCS Credit Union at (618) 797-7993. We are an O’Fallon based credit union that provides online checking accounts and auto loans. You can find out more about our financial products and services by visiting our website or meeting with us today.

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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