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.

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.


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.

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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