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.

Getting the Most out of Your Credit Card

Using a credit card is often a balancing act. You want to use your card to build credit, but also pay off your debt on time so your credit score remains high. This requires a lot of responsibility and understanding of how credit works. To find tips on how to get the most out of your credit card, keep reading.

  • Pay Off Your Debt Each Month

From the time you’re approved for a credit card, you’ll need to consider your credit rating. The best way to keep your credit score in the 720s or higher is to pay off your debt each month. If you put $300 on your credit card this month, strive to pay every cent the following month, or sooner. By paying off the balance entirely, you can avoid interest payments altogether. At the very least, make the minimum payment; no matter how much you put toward your debt, always pay on time. This way, your interest payments won’t spike and your credit score won’t be harmed. But remember, paying only the minimum balance will incur increasing interest payments and may hinder future credit opportunities.

  • Stay Away From Your Limit

If you get carried away with your credit card and can’t pay it off right away, be careful not to approach your limit. Spending near to your total available credit will harm your credit score. Try to make large payments as often as you can and limit your use of your credit card until you have paid it off.

  • Spend Responsibly

As a general rule, it is more responsible to use your credit card for small expenditures that can be paid off immediately or large, but necessary, expenditures that would be impractical to pay for in cash or all at once. However, try to avoid expenditures that will take more than two to three payments to pay off.

If you’re ready to apply for a credit card, stop by GCS Federal Credit Union. We’ll counsel you on how to use your new credit card responsibly and are available to help you if your debt spirals out of control. To begin building credit, call (618) 797-7993 or visit us today.

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Join GCS at Kidmania on March 3rd!

Join the Edwardsville/Glen Carbon Junior Service Club and GCS Federal Credit Union on March 3rd for Kidmania! Multiple vendors will be set up selling great items just for kids! All proceeds go back to the community to help families and other organizations. Click the link for all the details!


Learn More About Budgeting Your Money with the Help of These Resources!

credit cards on dollars

Managing money is difficult for many people, but budgeting, spending, and saving can be simple if you follow some basic financial advice. Explore the following resources on creating a budget, managing money, qualifying for home loans, and more.

  • Forbes.com explains why everyone can benefit from budgeting.
  • Follow these 10 tips for preparing a successful budget and stay out of debt for good.
  • Are you worried that your teen is unprepared when it comes to managing his or her money? If so, use the advice from this article to teach your teen to be responsible and smart with money.
  • Read through this article to find information that can help you teach your teen how to manage spending habits.
  • If you’re unhappy with your bank, check out this article to learn how you can benefit from banking with a credit union.

If you need a loan, personal financing support, a new savings account, or better banking services, join the community that chooses GCS Federal Credit Union. Call us at (618) 797-7993 today.

Start Saving Smarter for Your Retirement

It’s never too soon to start saving for retirement, so check out this video to learn valuable tips on how and why you should start now.

You’ll hear from a retirement specialist who offers five detailed ways you can get your retirement savings on the right track today, no matter your age. For recent college graduates, it’s recommended to save $5,000 a year. Those with 401(k) plans will get tips on how to make the most out of their accounts. Discover the benefits of opening a Roth IRA, why it’s beneficial to pay off your mortgage as soon as possible, and more in this full clip.

If you need help getting your retirement savings on track, contact the financial experts at GCS Federal Credit Union. Visit our website or call (618) 797-7993 to learn more.


Need a Valentine's Day Gift for Your Special Someone? GCS Members Save Big on Gorgeous Flowers, Spa Sets, Chocolates and More!

FTD Flowers

Have a special occasion coming up or just want to let someone know you’re thinking of them? As a GCS member, you can save $15 per item with FTD through “Invest in America,” the credit union member rewards program.

FTD not only has gorgeous flowers but spa sets, chocolates, wine baskets and more to choose from. And if you do order flowers, FTD has their "Good as Gold" 7-Day Satisfaction Guarantee that your flower arrangements will last at least 7 days - guaranteed. Plus, they have same day delivery available.

So, whether your purchase is $25 or $100, you’ll get $15 off of each item.  It’s that simple. And getting the discount is just as simple. Just visit http://www.lovemycreditunion.org/FTD_384.html and click on the Save Now button to get started. Save big while making someone’s day with FTD through Invest in America.

valentine's day

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