GCS Credit Union
618.797.7993
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.

How GCS Credit Union Makes Money Management Convenient

At GCS Credit Union, we know that your busy life doesn’t always allow for the time to stop by one of our branches. That’s why we’ve created a range of services to make managing your money as simple and convenient as possible. Take control of your checking account, savings, loans, bill payments, and more from anywhere with convenience services from GCS like these.

Online Banking and Bill Pay

If you have an internet connection, then you have access to your credit union accounts 24 hours per day, seven days per week. Online banking and bill pay allow you to do the account management tasks you would do at your branch from your computer whenever it is convenient for you. Check your account balances, see your purchase history, view checks that have cleared, and make loan payments, all with a few clicks. Enrolling in online bill pay lets you set up multiple and recurring payments, so your payments are never late and so you can reduce the number of paper statements you receive. Online banking and bill pay are also more secure than paper account statements and billing, because your personal information never passes through anyone’s hands or sits unsecured in your mailbox.

Mobile Banking App

Take the convenience of online banking to go with the mobile banking app for your smartphone. In addition to all of the activities you can do from your online banking profile, you can make deposits remotely simply by snapping a photo of your check. Mobile banking is secure as online banking and is free to all members, though carrier rates may apply.

Nationwide ATMs

Forget the myth about credit union ATMs being hard to find. You can withdraw your cash without paying fees at more than 30,000 ATMs across the country. There are also 9,000 ATMs nationwide at which you can make a deposit.

Do you want to learn more about the convenience services at GCS Credit Union that you could be missing out on? Call (618) 797-7993 to find out more about all of the services at our credit union in O’Fallon.

Reasons to Choose Payment Protection

Despite careful financial planning, things happen in life that could leave you struggling to pay your bills. By choosing Payment Protection from GCS Credit Union, you can shield yourself from the long-term implications of financial hardships so you can get back on track faster. Here are some of the reasons you should consider adding Payment Protection to your credit union loans.

If a hardship does occur, you can activate your Payment Protection benefits to protect your credit rating, stop late fees, and even eliminate a portion or all of your remaining balance. Having your payments covered by your protect plan also allows you to use the extra cash to meet your family’s needs.

Payment Protection is just one way GCS Credit Union invests in the financial health of our members. With affordable checking accounts and loans, competitive savings rates, and convenient online banking services, we make taking control of your money straightforward. Contact our credit union in O’Fallon at (618) 797-7993 to find out how you can take advantage of membership or how you can add Payment Protection to your loan accounts.

What Students Need to Know About Opening Their First Checking Account

A first checking account is a great opportunity for students to learn about fiscal responsibility and smart money management. At GCS Credit Union, we offer a Student Success Account Package, which includes both a checking account and a savings account for students aged 14-23. These accounts feature a number of benefits, including a personalized debit card and rewards for things like getting straight As for the school year. If you’re a student considering your first checking account, here is what you need to know.

Not all checking accounts are created equal.

Before you open an account, it is important to review the benefits of all of the accounts offered by your credit union to determine which one is the best choice for you. Depending on your age, you may be limited to a certain kind of account that requires your parents to share ownership, but if you are over 18, you can likely choose any account that is offered. Be sure to pick an account that offers you the most benefits for the lowest fee. For instance, if you can’t maintain a specific minimum balance, look for a no-frills, free account.

Checking accounts require proactive management.

Even if your debit card has a credit card logo on it, you cannot spend money you don’t have in your checking account without consequences. If you write a check or complete a debit card transaction without enough money in your account, you will be charged overdraft fees, which can be costly. To use a checking account, you have to be proactive about checking your spending and deposits and knowing exactly how much money you have before making any transactions.

Transactions don’t always clear immediately.

Using online banking is a great way to see your checking account balance, but you should always track spending and deposits using a paper ledger or app to have an idea of your true balance. Because checks and transactions may not clear right away, it could look like you have more money than you really do when you check your balance.

GCS Credit Union is invested in helping our young members build healthy financial habits. You can learn more about our checking accounts in O’Fallon by calling (618) 797-7993.

Setting Personal Savings Goals

Many people dread the thought of saving money as much as they do going on a diet because it sounds like it is about deprivation. In reality, saving is just a way to leverage your money so that it gets you the things you really want. How much money should be going into your credit union savings account each month? Watch this video to learn more.

There is no specific amount that everyone should save. The amount depends on your personal goals. Decide what is important to you and how much money you need to put aside to achieve. You can reach those goals by cutting out spending on things that aren’t adding any value to your life. You may be surprised by how easy it is to cut mindless spending.

At GCS Credit Union in O’Fallon, our savings and checking accounts and other credit union products are designs to help you reach your financial goals. Find out more about how we can help you by calling (618) 797-7993 today.

A Quick Look at Home Equity Loans

If you have a major expense you need to finance, the solution could be as close as your home. Every time you make a mortgage payment to your credit union, you build up equity in your house. This equity can be converted into a loan with friendly terms that you can use for big purchases, without touching your savings account.

Home equity loans can be offered as a single lump sum payment, or they can be offered as a line-of-credit, or HELOC, which you can use a little at a time for long-term projects. With favorable terms and tax-deductible interest, a home equity loan could be the perfect way to cover the costs of a wedding, tuition, home improvement project, or other major expense.

If you’re interested in learning more about home equity loans and other lending options, contact GCS Credit Union. We’re pleased to offer a complete range of banking services, from checking accounts and auto loans to online banking and credit cards. Find out more about our credit union in O’Fallon today by calling (618) 797-7993.

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Hours

  • 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