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.

Show Us Your East Side Pride!


We've teamed up with Y98 to create East Side Pride, a program that highlights all of the great things people are doing in the community! Each month we will pick one entry and highlight their story in a commercial that will air on Y98. 

Visit the Y98 website to take a look at the three featured submissions we've already announced! 

We would love to hear about what you are doing to make a difference in the community! We encourage both individuals and organizations from Illinois to submit your entries here: http://y98.radio.com/show-us-your-east-side-pride/.

Manage Your Money Better with these Great Resources!

financial results

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.


Getting the Best Deal When Shopping for a Car

Car Salesman and Couple Buyer

Buying a car may be one of the biggest investments you make. This major purchase requires research and patience, especially if you want to get the best deal on price and quality. To find the best deal on your next car and qualify for affordable auto financing, check out the detailed tips below. 

  • Buy Used

It’s tempting to buy a brand-new car, but since they depreciate so quickly, consider a used car instead. The price will be significantly lower and you’ll be paying for a truer value. Plus, buying a slightly used car with a comprehensive vehicle history report will let you know you’re purchasing a reliable automobile.

  • Shop Around

When buying a car, don’t take the dealer’s word for how it drives, how the engine was built, or what the price of the car should be. If you want to get the best deal, you need to shop around and do your research. Really get to know a car before you decide to take it home. If you’re buying used, take the vehicle to your own mechanic and consult Kelley Blue Book before purchasing. Read expert and consumer reviews online. When test driving a vehicle, don’t be afraid to drive it as you normally would.

  • Look for an Auto Loan

Few drivers have the funds to pay for a vehicle upfront, which is why it’s important to find reasonable auto financing. Putting down a large down payment may afford you better terms and lower interest rates. Remember to check your credit score and resolve any errors in your credit history before applying for a loan. Some credit unions also offer online applications and dealer recommendations.

If you need an auto loan, contact GCS Federal Credit Union. We’re a comprehensive financial institution that can help you get qualified for an affordable car loan. By choosing us, you’ll enjoy quality service, financial advice and support, and banking convenience, so call us at (618) 797-7993.  

All Branches Closed on Monday, January 16th in Observance of Martin Luther King Jr. Day

All GCS branches will be CLOSED Monday, January 16 in observance of Martin Luther King, Jr. Day.

Tips for Teens: Managing Your First Checking Account

Female withdrawing cash

Becoming a teen is a time full of exciting events, including starting high school, driving, earning an extended curfew, and opening your first checking account. But with these new freedoms comes new responsibilities; keep reading to learn about how to effectively manage a checking account.

  • Write Out Your Expenditures

Your parents probably bank online, but while you’re learning, it’s best to keep a written record of your spending. When you apply for your first checking account, you’ll be given a handheld ledger where you can keep track of what you spend and your balance. Get in the habit of writing down what you spend within a few hours and calculating your new balance. This will keep you from overdrawing your new checking account, saving you money in overdraft fees.

  • Check Your Account Every Day

Get in the habit of checking your account before you leave the house each day. You want to begin each day with a clear understanding of the amount of money you have so you don’t overspend.

  • Create a Budget

There is a certain amount of financial freedom that comes with opening your first checking account. If you can’t afford to go to the movies, you’ll only have yourself and all the soda you purchased last week to blame. Consider setting a budget or weekly limit on what you can spend. This way, you can save up for that new video game you want or that new pair of shoes your parents refuse to buy.

  • Consider Opening a Savings Account

If you want to save up for your senior trip, first car, or college tuition, you’ll need to have money saved. Open a savings account and get in the habit of saving 10 percent of the money you earn from your job or allowance.

If your teen is ready for his or her first checking and saving accounts, visit GCS Federal Credit Union today. We enjoy working with families and helping young people learn how to be responsible with their finances. To learn more about our service, call us at (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