Gcs Federal Credit Union


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

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 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 - October 19, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Gcs

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Advertiser Disclosure

Loan Rates - October 19, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.765% 2.690% 1.00 $2,452 $1,013 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$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.



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:

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% 3.79

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 June 30, 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% 12.22%

Gcs FCU has a net worth of 10.51% versus the BestCashCow average of 12.22. 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. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Gcs is insured by the NCUA.

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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