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.

Should I Repair or Replace My Old Car?

When you have an old car in need of repairs, you have a decision to make between fixing the car or reaching out to your credit union for a new auto loan. What is the right choice for you? This video will help you decide.

You generally shouldn’t pump more money into a car than what it is worth. Although small repairs are part of car ownership, you may need to consider an auto loan for a new car when the cost of repairs is not a smart investment.

With the competitive rates for auto loans at GCS Credit Union, you’ll be able to get a payment that fits your budget. To learn more, contact our credit union in O’Fallon today at (618) 797-7993.


  • 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