GCS Credit Union

Overview / Commentary

618-797-7993

3970 Maryville Rd
Granite City, IL 62040-4179

GCS Credit Union is headquartered in Granite City and is the 21^st largest credit union in the state of Illinois. It is also the 733^rd largest credit union in the nation. It was established in 1941 and as of December of 2018, it had grown to 108 employees and 36,139 members at 7 locations. GCS Credit Union's money market rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

GCS Credit Union offers membership to individuals who live, work, or attend school in the southern Illinois counties of Bond, Clinton, Jackson, Jefferson, Jersey, Logan, Macon, Macoupin, Madison, Marion, Montgomery, Monroe, Perry, Randolph, Sangamon, St. Clair, Washington, and Williamson. Membership eligibility is also extended to employees and retirees of SEGs, and immediate family members of current Credit Union members.
See current membership details

View all posts from:

2016
2008
2006

7/4 - GCS Credit Union (IL) Adds 75-Day CD Special

11/17 - 5.09% 15-Month CD at GCS Federal Credit Union in Illinois
1/26 - 5.25% 60-Month / 5.09% 36-Month CD at an Illinois Credit Union (GCS).

11/6 - 6.14% 19-Month CD at an Illinois CU (GCS FCU).

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Health

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68623
Year Chartered	1941
Employees	108
Primary Regulator

Profit Margin
Return on Assets - YTD	0.22%
Return on Equity - YTD	1.87%
Annual Interest Income	$14.5MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$345.2MM$328.3MM
Loans	Q4 2018vs Q4 2017	$285.8MM$297.0MM
Deposits	Q4 2018vs Q4 2017	$292.9MM$281.6MM
Equity Capital	Q4 2018vs Q4 2017	$40.5MM$39.7MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$2.5MM$1.9MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$2.3MM$2.1MM
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

GCS Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%^*	$100k^*	-	Individual Retirement Account (IRA)
OTHER TIERS: 0.45% → Up to $25k \| 0.55% → $25k - $50k \| 0.65% → $50k - $100k
0.50%^*	-	$10k	Kasasa Saver
OTHER TIERS: 0.25% → $10k+
0.20%^*	$25k^*	-	Member Savings Account
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $25k
0.10%	-	-	Christmas Club Account

GCS Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%	$150k	-	Elite Money Market
1.15%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.50% → $2.5k - $25k \| 0.60% → $25k - $50k \| 0.70% → $50k - $75k \| 0.80% → $75k - $100k

GCS Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	-	$10k	Kasasa Cash
OTHER TIERS: 0.25% → $10k+

GCS Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.78%	$1k	-	60 Month Share Certificate
2.42%	$1k	-	48 Month Share Certificate
2.27%	$1k	-	36 Month Share Certificate
2.02%	$1k	-	33 Month Share Certificate
1.96%	$1k	-	30 Month Share Certificate
1.91%	$1k	-	24 Month Share Certificate
1.91%	$1k	-	27 Month Share Certificate
1.71%	$1k	-	21 Month Share Certificate
1.61%	$1k	-	18 Month Share Certificate
1.51%	$1k	-	12 Month Share Certificate
1.51%	$1k	-	15 Month Share Certificate
1.51%	$250	-	12 Month Youth Share Certificate
1.00%	$1k	-	6 Month Share Certificate
1.00%	$1k	-	9 Month Share Certificate
1.00%	$250	-	6 Month Youth Share Certificate
1.00%	$250	-	9 Month Youth Share Certificate

GCS Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.78%	$1k	-	60 Month IRA
2.42%	$1k	-	48 Month IRA
2.27%	$1k	-	36 Month IRA
1.91%	$1k	-	24 Month IRA

Locations

GCS Credit Union Locations
Branch Office	2001 Lee Ave	Granite City, IL 62040-5325
Branch Office	3970 Maryville Rd	Granite City, IL 62040-4179
Branch Office	1502 Vandalia St	Collinsville, IL 62234-4457
Branch Office	1119 S Lincoln Ave	O Fallon, IL 62269-2694
Branch Office	4101 State Route 111	Granite City, IL 62040-4306
Branch Office	6707 Goshen Rd	Edwardsville, IL 62025-7707
Branch Office	4105 Humbert Rd Suite 101	Alton, IL 62002

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