Gcs Federal Credit Union
Headquarters
3970 Maryville Road
Granite City, IL 62040
See all branch locations →
2024 Overview
General Credit Union Information
Gcs is an NCUA insured institution located in Granite City, IL. It was founded in 1941 and has approximately $322.48 millions in assets.
Who can join?
Persons who live, work, or go to school in Madison,?St. Clair, Jersey, Macoupin, Montgomery, Bond, Clinton, Washington, Randolph, or Monroe counties in Illinois.
Businesses and other legal entities in those counties. Members of approved employee groups are eligible for membership. Members' spouses, children, grandchildren, parents, brothers and sisters may also join.
Retirees and their families from eligible groups also qualify for membership.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 4336 |
| Date Established | 1941 |
| Assets | $322.48 million |
| Loans | $234.33 million |
| Deposits | $287.08 million |
| Capital | $33.91 million |
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.
Deposit Rates - April 20, 2024
Your Current Location: Ohio, OH 43085
We do not yet have rates for Gcs
We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.
Back to Gcs
Note to Gcs
To upload and update your credit union's rates please register.
It is free to register and add rates.
Loan Rates - April 20, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Gcs
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.994% | 6.875% | 0.63 | $3,901 | $2,103 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: 1907 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Gcs
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Gcs branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
GCS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Add Your Review
or use your BestCashCow account
or
Financial Details
Gcs Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Gcs. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Gcs | U.S. Average |
|---|---|
| 2.84% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Gcs had $807,488 in non-current loans and $205,751 in owned assets. To cover these potential losses it had $33,911,957 in net worth and $1,719,014 in loans loss reserves. That gives it a Texas Ratio of 2.84%.
Net Worth
| Gcs | U.S. Average |
|---|---|
| 10.51% | 13.62% |
Gcs FCU has a net worth of 10.51% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Gcs
There are currently no comments for GCS. Be the first to share your experience. Please provide comments that will help others.
Add Your Review
or use your BestCashCow account