GCS Promotions

Take advantage of these special offers at GCS Credit Union



New Cardholders: 

  • 0% Intro APR* for 6 months on purchases made within the first 60 days after card opening, then 7.9%APR to 18.9%APR
  • Click HERE to apply online

Current Cardholders:

  • 0% Intro APR* for 6 months on purchases made November 1 - December 31, then 7.9%APR to 18.9%APR

*APR = Annual Percentage Rate. Rate varies based on credit worthiness. 0% APR is valid for 6 months on purchases made 60 days from card opening for new cardholders, and on purchases made November 1 - December 31, 2022
for current cardholders. At the beginning of the seventh month, your regular rate will go into effect. The minimum APR is 7.9% and the maximum APR is 18.9%. GCS membership restrictions and lending guidelines may apply. Offer valid November 1 - December 31, 2022.


Limited time only!

  • 15 Month Share Certificate at 3.79%APY

Give us a call at 618.797.7993 or visit your nearest GCS branch.

*APY = Annual Percentage Yield. $1,000 Minimum deposit to open. Restrictions apply. Penalty for early withdrawal. Limited time only. 


Cozy up to a great rate! Christmas Loans up to $3,500.*

  • Competitive rates for short-term holiday-related needs
  • Available from October 1 through January 31
  • 3% Loan rate discount*
  • Quick and easy application
  • Click HERE to apply online

*3% annual percentage rate discount. Rates may vary depending on each individual's credit history and
underwriting factors. Not valid on current GCS loans. Floor rate for this promotion is 5.65%.
Floor rates may change at any time. Cannot go below annual percentage floor rate according
to term listed above. Additional 0.25% APR discount with the Loan Loyalty Program if you have a current
GCS loan or active Rewards Mastercard OR 0.25% APR discount with Auto Pay. No further discounts apply.
GCS membership and lending guidelines apply. Promotion runs October 1, 2022 - January 31, 2023. Restrictions may apply.


Make your deam kitchen a reality with a Home Equity Line! Rates as low as 3.75% APR* for 12 months and no closing costs* plus $75 cash at closing.** All closed Home Equity Loans during the promotion period will be entered to win $750!

  • Local, Metro East decision making and processing
  • Helpful, member-first service throughout the entire process
  • Quick and easy application
  • Click HERE to apply online

*APR = Annual Percentage Rate. No closing costs except appraisal if needed. Estimated appraisal cost is $400. Your rate and credit limit will be determined based on individual creditworthiness. Verification of income may be required. Property insurance is required. If the property is located in a Special Flood Hazard Area we will require you to obtain flood insurance. Maximum loan amount is determined by the amount of equity in your home, based on appraised value. The APR includes interest only and no other costs and is based on the value of an index (the Prime Rate published in the Wall Street Journal) and could change at any time. The maximum APR is 18%. Offer limited to first and second mortgage liens on a one to four family residential property. Borrow up to 90% of appraised value for Home Equity Line of Credit. 3.75% introductory APR available for 12 months after the loan is funded. At the beginning of the thirteenth month, your regular rate will go into effect. Minimum monthly payment may change as a result of rate changes. Offer subject to change at any time.
**Cash back will be deposited into the qualified savings account associated with the loan after loan closing.


Enjoy a .25% annual percentage rate discount* on personal, auto, RV, boat, camper, & motorsport loans when you have a current GCS loan or credit card.

  • Click HERE to apply online

*Receive an additional 0.25% Annual percentage rate discount off the rate you qualify for  when you have a current GCS loan or credit card. Valid on auto, RV, boat, motorsport, campers, and personal loans. Not valid on credit cards, real estate, or current GCS loans. No further discounts apply.

Call today at 618.797.7993 to get in on these great offers. And don't forget to follow us on Facebook to stay up-to-date on GCS news and contests!