Gcs Federal Credit Union

Headquarters

3970 Maryville Road
Granite City, IL 62040
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.65% →
1-Year CD N.A. 2.02% →
2-Year CD N.A. 3.00% →
5-Year CD N.A. 3.35% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 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 - June 27, 2022

Your Current Location: California, CA 92111

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.

Advertiser Disclosure

Loan Rates - June 27, 2022

Your Current Location: California, CA 92111

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 - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
SunnyHill Financial, Inc
NMLS ID: 1708856
License#: 02058287
5.348% 5.250% 0.63 $2,758 $1,381 Learn More

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:
San Diego,California



Climate Initiatives

GCS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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% 4.85

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, 2021, 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% 12.36%

Gcs FCU has a net worth of 10.51% versus the BestCashCow average of 12.36. 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

Rate it here →