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.

How to Build the Balance in Your Savings Account

Your savings account represents your ability to deal with financial emergencies and to indulge in the things that matter to you, such as a new home or an exotic trip. Is your balance looking a little lighter than you’d prefer? Fortunately, it’s easier than you may think to increase the amount of savings you have without feeling like you’re depriving yourself. Boost your credit union savings account balance with these steps.

Journal Your Spending

You may feel like you’re being mindful of your spending, but are you really? If you take the time to write down everything you spend for a few days, you may be surprised to see exactly where your money is going. Look over your spending journal and identify areas where you could save a little extra cash. For instance, instead of running to the grocery store every night, you could save money by shopping once per week with a list of everything you need. Small savings could soon add up to extra money to put into your savings account.

Set Up Direct Deposits

If you have a portion of your paycheck deposited directly into your savings instead of into your checking account, you won’t even miss the money. Experiment with saving a small portion of your check, and periodically boost the amount of your direct deposit so that you’re saving more and more. In addition to direct deposits of your paycheck, you can also set up automatic transfers through your online banking so that money goes from checking to savings at regular intervals.

Set a Budget

Many people dread the idea of having a budget, but it doesn’t have to be restricted to work. Having a budget lets you prioritize the things that you want to spend money on in the short and long terms. Figure out your fixed expenses and how you want to spread out the leftovers. You can reach your savings goals in no time when you plan exactly how to spend your cash.

GCS Credit Union offers a range of checking account and savings account options in O’Fallon with competitive rates to help you make the most of your money. To find out how to become a member, call (618) 797-7993.


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  • 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