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.

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

Getting the Most out of Your Credit Card

Man Holding 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.


Get the Best Auto Loan Possible with You Buy Your Next Car!

If it’s time for a new car, then it’s time to start shopping for the shortest car loan option and the lowest interest rate.

In this video, you’ll hear helpful financial tips on how to determine your credit score, where to shop for the best loan and interest rate, and what to look for when considering your car loan options. You’ll also learn how to ensure that you get a short term and the best rate possible, and why it’s important to get pre-approved for a car loan before you shop for the right car.

To apply for the ideal auto loan, visit GCS Federal Credit Union. You’ll get better interest rates with us compared to your local bank, and you’ll receive better financial guidance. To learn more about how we can help you afford the car of your dreams, call us at (618) 797-7993 today.

GCS to Award Nicole R. Thorp Scholarship

GCS FCU logo

GCS Federal Credit Union will award the $1,500 Nicole R. Thorp Scholarship to a Get Mo’ Green teen club member this May.

High school seniors who are members of GCS have a great chance at receiving $1,500 to help pay for college tuition.  GCS teens can join the Get Mo’ Green youth club for free and become eligible for the scholarship during their senior year.

To apply, GCS seniors can access the scholarship application at myGCScu.com under the Get Mo’ Green club page.  The application can be submitted in writing or via a video application.  Nicole R. Thorp Scholarship submissions will be accepted through April 30, 2012.  The scholarship money will be presented to one chosen Get Mo’ Green member in early May. The recipient will be featured on the GCS website and Facebook page.

GCS looks for applicants who actively volunteer in the community. Nicole R. Thorp, who the scholarship is now named after, was a big believer in helping out where needed. 

The scholarship application also requires candidates to submit an essay explaining why saving and budgeting are important habits to develop.  GCS tries to guide youth in developing and reaching savings goals and wants to hear how its teens have succeeded.

More information and assistance on becoming a member of GCS and the Get Mo’ Green club can be obtained by calling GCS at (618) 797-7993 or visiting any GCS branch.

Founded in 1941, GCS Federal Credit Union currently has assets of more than $297 million. GCS serves more than 38,000 members throughout Madison and most of St. Clair Counties in Illinois via 7 conveniently located branches, numerous ATM locations, and 24-hour account access through a telephone audio response system and PCU online banking.


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