2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 4336
Date Established 1941
Assets $322.48 million
Loans $234.33 million
Deposits $287.08 million
Capital $33.91 million

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.

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 - August 18, 2019

Your Current Location: Virginia, VA 20146

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.

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Note to Gcs
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There are currently no rates available for Gcs, but see these great savings and CD rates:

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Loan Rates - August 18, 2019

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
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NMLS ID: 2890
License#: MC-3098
3.414% 3.375% 0.50 $1,238 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
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More Info

Note to GCS
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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:
Ashburn,Virginia


Gcs Locations


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% 6.77

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 March 31, 2019, 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% 13.47%

Gcs FCU has a net worth of 10.51% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Gcs

Branches and Savings

What is Gcs?

A federal credit union, registered with the NCUA under certificate #4336.
Learn more about credit unions here.

Is Gcs FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Gcs?

Please see Field of Membership information above for information on who is eligible to join.

What are Gcs's share account and share certificate rates?

Gcs's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Gcs?

Gcs has total capital of $33.91 million. Full information on Gcs's financial position is located above.

Who owns Gcs?

Credit Unions are owned by their members.

Where are Gcs branches located?

See branch locations nearby.

Are Gcs ATMs Open 24/7?

Do Gcs ATMs accept cash deposits?

Can Gcs customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Gcs have a mobile app?

Does Gcs have mobile deposit?

Does Gcs have quick pay?

How can Gcs transfer money to other banks or credit unions?

Does Gcs report to credit bureaus?

Does Gcs use Chexsystems?

Does Gcs use Equifax?

What is Gcs's toll free phone number?

What is Gcs's ACH Routing Number?

What is Gcs's SWIFT code?

Where can I find Gcs's wire transfer form?

What is the Gcs address for deposits?

What Products Does Gcs Offer

Does Gcs offer mortgages?

Compare mortgage rates here.

Does Gcs offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Gcs offer auto and RV loans?

Compare auto loan rates here.

Does Gcs offer student loans or personal loans?

Compare personal loan rates here.

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