GCS Credit Union is headquartered in Granite City and is the 19th largest credit union in the state of Illinois. It is also the 730th largest credit union in the nation. It was established in 1941 and as of March of 2019, it had grown to 107 employees and 36,076 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
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Data as of Q1 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68623 |
| Year Chartered | 1941 |
| Employees | 107 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.69% |
| Return on Equity - YTD | -6.12% |
| Annual Interest Income | $3.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2019vs Q1 2018 | $358.3MM$337.7MM |
| Loans | Q1 2019vs Q1 2018 | $277.8MM$295.0MM |
| Deposits | Q1 2019vs Q1 2018 | $306.7MM$295.8MM |
| Equity Capital | Q1 2019vs Q1 2018 | $39.9MM$40.1MM |
| Loan Loss Allowance | Q1 2019vs Q1 2018 | $2.7MM$1.9MM |
| Unbacked Noncurrent Loans | Q1 2019vs Q1 2018 | $1.4MM$1.7MM |
| Real Estate Owned | Q1 2019vs Q1 2018 | $28.00K$0 |
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
GCS Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
GCS Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.78% | $1k | - | 60 Month IRA | |
| 2.42% | $1k | - | 48 Month IRA | |
| 2.27% | $1k | - | 36 Month IRA | |
| 1.91% | $1k | - | 24 Month IRA |
| 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 |