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GCS Credit Union


Overview / Commentary
www.mygcscu.com
618-797-7993
3970 Maryville Rd
Granite City, IL 62040-4179

GCS Credit Union is headquartered in Granite City and is the 21st largest credit union in the state of Illinois. It is also the 751st largest credit union in the nation. It was established in 1941 and as of December of 2019, it had grown to 103 employees and 36,347 members at 7 locations. GCS Credit Union's money market rates are 70% higher than 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.
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Health
A

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #68623
Year Chartered1941
Employees103
Primary Regulator
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD2.46%
Annual Interest Income$15.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$347.2MM$345.2MM
LoansQ4 2019vs Q4 2018$257.4MM$285.8MM
DepositsQ4 2019vs Q4 2018$294.2MM$292.9MM
Equity CapitalQ4 2019vs Q4 2018$41.5MM$40.5MM
Loan Loss AllowanceQ4 2019vs Q4 2018$3.0MM$2.5MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$1.6MM$2.3MM
Real Estate OwnedQ4 2019vs Q4 2018$28.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%*$100k*-Individual Retirement Account (IRA)
OTHER TIERS: 0.45% → Up to $25k | 0.55% → $25k - $50k | 0.65% → $50k - $100k
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$150k-Elite Money Market
0.60%*$100k*-Money Market Account
OTHER TIERS: 0.35% → $2.5k - $25k | 0.40% → $25k - $50k | 0.45% → $50k - $75k | 0.50% → $75k - $100k

GCS Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$1k-60 Month Share Certificate
1.31%$1k-48 Month Share Certificate
1.21%$1k-36 Month Share Certificate
1.10%$1k-33 Month Share Certificate
1.05%$1k-30 Month Share Certificate
1.00%$1k-27 Month Share Certificate
0.95%$1k-24 Month Share Certificate
0.80%$1k-21 Month Share Certificate
0.70%$1k-18 Month Share Certificate
0.60%$1k-12 Month Share Certificate
0.60%$1k-15 Month Share Certificate
0.60%$250-12 Month Youth Share Certificate
0.50%$1k-6 Month Share Certificate
0.50%$1k-9 Month Share Certificate
0.50%$250-6 Month Youth Share Certificate
0.50%$250-9 Month Youth Share Certificate

GCS Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$1k-60 Month IRA
1.31%$1k-48 Month IRA
1.21%$1k-36 Month IRA
0.95%$1k-24 Month IRA
Locations


GCS Credit Union Locations
Branch Office2001 Lee AveGranite City, IL 62040-5325
Branch Office3970 Maryville RdGranite City, IL 62040-4179
Branch Office1502 Vandalia StCollinsville, IL 62234-4457
Branch Office1119 S Lincoln AveO Fallon, IL 62269-2694
Branch Office4101 State Route 111Granite City, IL 62040-4306
Branch Office6707 Goshen RdEdwardsville, IL 62025-7707
Branch Office4105 Humbert Rd Suite 101Alton, IL 62002

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