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.

Keeping Your Online Financial Information Safe

Online banking makes managing savings and checking accounts quick and convenient. However, it’s always important to think about security when it comes to financial data. Luckily, there are plenty of things you can do to help keep your online financial information safe.

First, never give out your online banking details if someone contacts you. Instead, contact financial institutions yourself to initiate the conversation. Next, shred any financially-related printed materials that you don’t need. Also, you should occasionally switch any passwords that you use to access your online financial information, ensuring that they are difficult to guess and out of sight if you must put them in writing. Finally, use secure portals to share financial documents and log in through an app’s portal instead of using links that you receive in emails.

GCS Credit Union offers online banking that is available 24/7 and allows you to conveniently and securely pay bills, manage your accounts, and make transfers. For more information about our services for online banking in O’Fallon, call (618) 797-7993.

Finding the Right Credit Card

While going overboard with a credit card is a bad idea, having one can still offer you benefits. If you’re thinking about contacting your credit union to sign up for a new credit card, then watch this video for tips on finding the right one for you.

Begin by thinking about how you plan to use the card and would like to apply the points that you earn. The right card for you will offer rewards for shopping places where you frequently spend money, as well as allow you to use your reward points in a way that makes sense for you.

You can get more out of shopping with a Visa rewards credit card from GCS Credit Union. To learn if this card is right for you, please contact our credit union in O’Fallon by calling (618) 797-7993.

When to Consider a Debt Consolidation Loan

If you’re overwhelmed by debt, you’re not alone. Unfortunately, debt can become a damaging cycle of high interest rates and other fees, especially when you have multiple accounts you have to manage. If you’re struggling to see the light with your debt, your credit union may be able to help in the form of a debt consolidation loan. Debt consolidation can make your payments more manageable and can help you save money by lowering your interest rate.

A debt consolidation loan from your credit union rolls all of your accounts into one loan, so you only have to pay a single payment each month. Because the interest rates are usually lower with debt consolidation loans than with other accounts, you could save a significant amount of money over time.

Simplify your accounts and take control of your budget with a debt consolidation loan in O’Fallon from GCS Credit Union. To learn more about the approval process, please call (618) 797-7993.

What Are the Top Reasons to Buy a New Car?

Making the leap to buying a new car isn’t always an easy decision, especially if your car is technically still running. What are some of the reasons you should consider looking into auto loans? Watch this video to find out.

Many of the benefits of new cars have to do with upgraded technology. From touchscreens with navigation to self-adjusting headlights, the features that are standard in many new cars can make driving more enjoyable and keep you safer on the road.

At GCS Credit Union, our great rates on auto loans in O’Fallon make the decision to buy a new car easy. Find out more about the loan services at our credit union by calling (618) 797-7993.

Rent or Buy? Tips for Making the Right Housing Choice

Although many people dream of home ownership, other people find that rental living is right for them. There is no right answer when you’re trying to decide between choosing a home mortgage loan and signing a lease. Because everyone’s situation is different, you can only consider which option is a fit for you. As you try to make this important decision, consider these factors while you weigh your options.

Consider When You Will Want to Move

If you are committed to staying in the area in which you are currently living, then buying a house could make sense for you. When you purchase a home, you will generally need to stay in it for at least five years in order to make back your upfront expenses on the house and get a return on your purchase. If you think you could want to move to a new area in less than five years or that there is a good chance you could be transferred because of your job, renting may make the most financial sense.

Add Up Your Down Payment Savings

Generally, to get the best possible terms on home mortgage loans, you will need a down payment of 20% of the purchase price of the home. Although you can find loans that require lower down payments, you will likely have to carry mortgage insurance until you reach 20% equity in the home. Mortgage insurance can be costly and will drive up your monthly payment considerably. Instead of making a low down payment, consider renting until you can save up more money.

Take a Hard Look at Your Job

If you’re satisfied in your career and have stable employment, then you could be ready to take on the responsibility of mortgage payments and the other costs of home ownership. However, if you’re planning a career change or think that your employment is at risk for any reason, you may wish to rent until you are on steadier ground.

Let the experts at GCS Credit Union in O’Fallon explore your options for home mortgage loans and make the right financial decision for your personal goals. Talk to a credit union representative today by calling (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