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Gcs Credit Union Share
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Overview Share
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Gcs Credit Union is a federally insured state credit union based in Granite City, Illinois. It has been opened since 1941, for 81 years.

With around $345,210,000 in assets, Gcs Credit Union is considered to be a very large credit union. It has 8 branches and 8 ATM locations.

About Share
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Address 3970 Maryville Road
Granite City, Illinois 62040
Website http://mygcscu.com
Phone (618) 797-7993
Fax (618) 797-2033
CEO Keith A. Burton
President of the Board Nick Huniak
Services Offered
Score Card Share
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81 years
Years in business
Opened in 1941
Well Capitalized
Net worth classification
Source: NCUA
36,139 members
Membership type: State chartered natural person credit union
Above average number of members
316:1
Credit union member to staff ratio
316 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$345,209,620
Total assets
Above average
8 branches
Compared with an average of 4 nationally and 2 in Illinois
Above average number of branches
0.20%
Savings interest rate
Compared to 0.3% nationally
10.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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8 branches
Compared with an average of 4 nationally and 2 in Illinois
Above average number of branches
Gcs Credit Union Branch Locations

Gcs Credit Union: Alton Branch
4105 Humbert Road
Suite 101
Alton, Illinois 62002
ATM Available
Gcs Credit Union: Collinsville Branch
1502 Vandalia Street
Collinsville, Illinois 62234
ATM Available
Gcs Credit Union: Edwardsville Branch
6707 Goshen Road
Edwardsville, Illinois 62025
ATM Available
Gcs Credit Union: O'Fallon Branch
1119 S. Lincoln Avenue
O. Fallon, Illinois 62269
ATM Available
Gcs Credit Union: Maryvillebranch
3970 Maryville Road
Granite City, Illinois 62040
ATM Available
Gcs Credit Union: Lee Branch
2001 Lee Avenue
Granite City, Illinois 62040
ATM Available
Gcs Credit Union: Pontoon Branch
4101 State Route 111
Granite City, Illinois 62040
ATM Available
Members Share
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36,139 members
Membership type: State chartered natural person credit union
Above average number of members

With 36,139 members, the Gcs Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 88% of credit unions.

Fees Share
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$67
Average fee per member
The average fee per member at the Gcs Credit Union is $67, which is high compared to most credit unions. This rate is higher than 64% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Gcs Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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316:1
Credit union member to staff ratio
316 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
114 staff members
FTE (full-time equivalent)
11% of employees are part-time
108 full-time, 13 part-time

Gcs Credit Union has 108 full-time staff members and 13 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 89% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Gcs Credit Union has around 316 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$345,209,620
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
11.7%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$11,314
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 60% of credit unions.

Gcs Credit Union holds a total of $285,780,000 in loans and leases, which is about $11,314 per member on average.

Savings interest rate Share
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0.20%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Gcs Credit Union pays 0.20%.

Loan rates Share
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10.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
11.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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3.75%
New car loan rate
Compared to 4.0% nationally
3.75%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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6.25%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.65%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.80%
Other real estate loan rates
Compared to 0.9% nationally

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Similar Credit Unions to Gcs Credit Union

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Gcs Credit Union: Maryvillebranch ATM
Credit Union ATM: 3970 Maryville Road
Granite City, Illinois 62040
Gcs Credit Union: Edwardsville Branch
Credit Union Branch: 6707 Goshen Road
Edwardsville, Illinois 62025 ATM Available
Gcs Credit Union: Edwardsville Branch ATM
Credit Union ATM: 6707 Goshen Road
Edwardsville, Illinois 62025
Gcs Credit Union: Lee Branch ATM
Credit Union ATM: 2001 Lee Avenue
Granite City, Illinois 62040
Gcs Credit Union: Collinsville Branch
Credit Union Branch: 1502 Vandalia Street
Collinsville, Illinois 62234 ATM Available
Gcs Credit Union: Maryvillebranch
Credit Union Branch: 3970 Maryville Road
Granite City, Illinois 62040 ATM Available
Gcs Credit Union: O'Fallon Branch
Credit Union Branch: 1119 S. Lincoln Avenue
O. Fallon, Illinois 62269 ATM Available
Gcs Credit Union: Alton Branch
Credit Union Branch: 4105 Humbert Road
Suite 101
Alton, Illinois 62002 ATM Available
Gcs Credit Union: Lee Branch
Credit Union Branch: 2001 Lee Avenue
Granite City, Illinois 62040 ATM Available
Gcs Credit Union: Pontoon Branch
Credit Union Branch: 4101 State Route 111
Granite City, Illinois 62040 ATM Available