GCS Credit Union

Overview / Commentary
3970 Maryville Rd
Granite City, IL 62040

GCS Credit Union is headquartered in Granite City and is the 22nd largest credit union in the state of Illinois. It is also the 761st largest credit union in the nation. It was established in 1941 and as of December of 2020, it had grown to 104 employees and 36,610 members at 7 locations. GCS Credit Union 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 Grade Components

NCUA #68623
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD5.09%
Annual Interest Income$14.0MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$397.6MM$347.2MM
LoansQ4 2020vs Q4 2019$244.5MM$257.4MM
DepositsQ4 2020vs Q4 2019$338.2MM$294.2MM
Equity CapitalQ4 2020vs Q4 2019$43.5MM$41.5MM
Loan Loss AllowanceQ4 2020vs Q4 2019$3.4MM$3.0MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$1.5MM$1.6MM
Real Estate OwnedQ4 2020vs Q4 2019$0$28.00K
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Always verify rates and promotions with the bank or credit union. We are not GCS Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.60%*$100k*-Individual Retirement Account (IRA)
OTHER TIERS: 0.35% Up to $25k | 0.40% $25k - $50k | 0.45% $50k - $100k
0.15%--Prime Time Club
0.10%*$25k*-Member Savings Account
OTHER TIERS: 0.05% Up to $25k
0.05%--Christmas Club Account

GCS Credit Union Money Market Rates

0.45%$150k-Elite Money Market
0.30%*$100k*-Money Market Account
OTHER TIERS: 0.20% $2.5k - $25k | 0.25% $25k - $100k

GCS Credit Union Checking Account Rates

1.50%*-$10kSimply MORE! Checking
OTHER TIERS: 0.25% $10k+

GCS Credit Union CD Rates

0.80%$1k-60 Month Share Certificate
0.65%$1k-48 Month Share Certificate
0.50%$1k-30 Month Share Certificate
0.50%$1k-33 Month Share Certificate
0.50%$1k-36 Month Share Certificate
0.50%$1k-27 Month Share Certificate
0.45%$1k-21 Month Share Certificate
0.45%$1k-24 Month Share Certificate
0.40%$1k-18 Month Share Certificate
0.35%$1k-12 Month Share Certificate
0.35%$1k-15 Month Share Certificate
0.35%$250-12 Month Youth Share Certificate
0.15%$1k-6 Month Share Certificate
0.15%$1k-9 Month Share Certificate
0.15%$250-6 Month Youth Share Certificate
0.15%$250-9 Month Youth Share Certificate

GCS Credit Union IRA Rates

0.80%$1k-60 Month IRA
0.65%$1k-48 Month IRA
0.50%$1k-36 Month IRA
0.45%$1k-24 Month IRA

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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