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.

Check Out These Great Tips on Managing Your Money and Getting a Home Loan!

Couple doing paperwork with a laptop

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.

  • Check out this article to learn how to buy a car the smart, money-conscious way.
  • If you want to buy a car fast, check out this article from SmartMoney.com. You’ll read about which cars the experts say are worth your money.
  • Before beginning the search for your first home, check out Realtor.com and review the buyer basics.
  • Buying a home is a big investment, so use these seven tips to avoid making common home-buying mistakes.
  • If you need to set a budget, check out this helpful article from Money.CNN.Com. You’ll learn how to identify unnecessary expenditures, stop spending beyond your means, and watch out for cash leakage.

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.


Check Out These Great Home Buying Tips!

Buying a new home is an exciting venture, but it can be challenging for first-time homebuyers to navigate the home-buying process.

If you’re in the market for your first home, take a look at this video. You’ll hear great tips that will ensure you make a solid investment. For example, you’ll hear advice about how much to spend when buying a home, what other fees you’ll need to figure into your budget, how much you should be prepared to put down,  and where to shop for a new home in your area.

When you’re ready to begin shopping for your first home, come to GCS Federal Credit Union. You’ll receive superior loan, prequalifying, and financial support services that can make home buying go smoothly. To get preapproved for a home loan today, call us at (618) 797-7993.

GCS Kicks Off East Side Pride!

GCS and Y98 have teamed up to celebrate the good things Illinois listeners have been doing in the community. The campaign is called East Side Pride.

Whether you’re volunteering with a local organization or picking up groceries for an elderly neighbor, GCS and Y98 want to hear about it! Individuals and organizations can submit their stories at y98.com/eastsidepride.

Each month, one entry will be highlighted online and on air. If you are working on a bigger scale project, you can win the opportunity to have GCS and Y98 help recruit volunteers and be on site to help your project make a difference in the community.

Founded in 1941, GCS Federal Credit Union currently has assets of more than $294 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.


Happy New Year from GCS Federal Credit Union!

Wishing you and your family a very happy new year!


A Guide to Home Ownership for First-Time Buyers

first time buyers

Becoming a homeowner is one of the most rewarding experiences of many people’s lives. But first-time homebuyers may not know where to start when it comes to searching for a property and a mortgage. Look below to find tips on how to optimize your search for your new home.

  • Get Preapproved

You can save time and hassle by calling your lender to get preapproved for a loan before you begin shopping for your first home. Once you’re preapproved, you’ll have a clear idea of how much you can afford to spend on a home. Plus, you’ll be more prepared when it comes time to hire a realtor. He or she will have an easier time finding homes within your budget, saving you time from looking at homes that are out of your price range.

  • Determine How Much Home You Can Afford

The next step in shopping for a home is figuring out which amenities you can afford. You may have been preapproved for a home loan, but you’ll still need to determine how much of your monthly income you can afford to spend on a monthly mortgage payment. Keep in mind that you may also be responsible for paying homeowners’ association fees, maintenance fees, utility bills, and parking fees, depending on where you choose to buy.

  • Hire a Realtor

Just as you wouldn’t look at only one home, you wouldn’t meet with only one realtor. Interview several realtors to find someone who understands exactly what you’re looking for in a home and has considerable experience in your region. A realtor can also investigate sales prices of similar homes to determine if an asking price is reasonable. If a realtor tries to push you into purchasing a home right away, consider looking elsewhere.

You may have to look through several listings with your realtor to find the ideal home, but you’ll be well on your way to homeownership.

When it comes to getting preapproved or applying for a mortgage, trust the mortgage experts at GCS Federal Credit Union. We offer complete banking, loan, and investment services. To get started on your home search, call us at (618) 797-7993 today.


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