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.

GCS Donates to CASA!


The employees of GCS Federal Credit Union recently presented CASA of Southwestern Illinois with a donation check for $1,100.00.

Throughout the year employees of GCS are given the opportunity to wear jeans on Fridays and Saturdays for $20. The funds collected go to a specified charity.

The mission of the Court Appointed Special Advocates (CASA) of Southwestern Illinois is to support abused and neglected children by recruiting and training volunteers to function as a voice in juvenile court systems in St. Clair, Monroe and Madison Counties.

Coming up for CASA is the first annual Tri County SUPERHERO Run/Walk. The event will be held in April and encourages participants to dress up as their favorite superhero. For more information, contact the CASA office at (618) 234-4278.

GCS supports numerous charitable organizations each year, which include the March of Dimes, the American Diabetes Association, and the YMCA.

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.

Check Out This Great Video From BizKids!

We love this video and wanted to share it with you all! Enjoy!

Visit our website for great youth saving tips and more information about all of our kids clubs!

How Do Credit Unions Differ from Other Financial Institutions?

Credit union building with sign

Credit unions are unlike any other financial institution and offer more privileges and control to their members. Here are a few ways you can benefit from banking with a credit union rather than a traditional bank:

  • Members Verses Customers

One major difference between credit unions and other financial institutions is that credit unions have members rather than customers. When a person opens an account at a credit union, he is considered to have a share in the ownership of the institution. Plus, members are given a voice in day-to-day operations. Bank customers, on the other hand, are controlled by a group of investors who establish policies that affect their return on investment.

  • Volunteers Verses Investors

Member-run credit unions are democratically controlled by a volunteer board of directors. Each director is voted for by other members. At other financial institutions, investors are the only people who have voting and committee privileges. This means that banking customers can’t vote on directors and have no authority on how their bank is governed. If you’ve ever been upset with your bank because they raised the overdraft fee or account operating fee, you can appreciate the value of having a voice in your financial institution.

  • Non-Profit Verses For-Profit

Credit unions are non-profit organizations that pay profits to their members once expenses are paid and the necessary reserves are set aside. These profits are often given to members in the form of higher dividends, lower interest rates, or low-cost services. Banking institutions only share their profits with their investors.

  • Pay-As-You-Go

Most credit unions are pay-as-you-go institutions that are backed by the full faith and credit of the U.S. government. The pay-as-you-go system prevents the accumulation of annual losses, which reduces the risk of ever having to use taxpayers' money. Banks don’t operate under a pay-as-you-go system, and therefore, recently had to be bailed out with millions of taxpayer dollars.

At GCS Federal Credit Union, we encourage our members to participate in the governance of our financial institution. To become a member and learn more about our organization, visit our website or call us at (618) 797-7993.

Join Us in Supporting Love Handles Local Area Food Drive Center!

Help us support "Love Handles" local area food drive! Just $5 benefits over 30 local food banks! Visit either of the following websites for more information:

Shop n' Save:http://www.shopnsave.com/savings/promosweeps.jsp

The Arch:http://www.1065thearch.com/category/lovehandles2012

Love Handles Food Drive

Learn More about Managing Your Finances with These Comprehensive Resources!

Piggy bank with dollars banknotes

If you would like to learn more about financing a home loan, teaching your children about money, or getting smarter about your finances, look through the list of resources below.

  • If you’re drowning in debt, use Oprah’s two-phase, eight-step program to pay off your debt and get back in control of your finances. Check out this article from Oprah.com to get started.
  • Check out this website to find helpful tips on how to use your new credit card responsibly so that you can build credit, but stay out of debt.
  • Learn more about the benefits of banking with a credit union by reading through this article from U.S. News & World Report.
  • If you need more help teaching your young family members about financial responsibility, use the resources from this webpage.
  • Before your children apply for their first credit cards, use these tips to teach them financial responsibility.

Bring your financial questions to GCS Federal Credit Union to get the answers and personalized service you need. We offer mortgage, money market, savings and checking, credit card, auto and personal loan services. To enlist our financial assistance, visit or call us at (618) 797-7993 today.


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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