Land Loans

With competitive rates and flexible timelines for future home sites, a land loan lets you buy raw land, lots, and acreage so you can start living the life you’ve always wanted.

A city business man is excited to watch the sunset on his new land bought with a land loan.

Land Loans

A Land Loan Means You Can Start From Scratch

If you have your eye on a nice piece of raw land or a vacant lot that’s just waiting to be revitalized, then a land loan could be the answer for you.

A land loan gives you a blank sheet of paper to write your dreams on. Most often, we don’t need the land or lot to have power, well, or septic systems in place. You can even use an ACU land loan to refinance your existing loan.

Enjoy these benefits with all America’s Credit Union land loans, loans for vacant land, and lot loans:

Generous Acreage

Buy raw land or a vacant lot of up to 20 acres with ACU.

Flexible Timelines

Build your future home when you’re ready – ideally within 5 years.

Competitive APR*

Lock in a low interest rate for an affordable monthly payment.


See Our Simple Land Loan Application Process!

Step 1 Apply OnlineEnter your personal and financial details into our convenient online portal, plus any information you have about the land.
Step 2 Get Pre-QualifiedWe’ll verify you qualify for the benefits of a land loan. If eligible, we’ll let you know how much you can borrow and your rate.
Step 3 Find Your Land!With financing ready, you can put in an offer. Once the seller accepts, we’ll guide you through the closing process.

Get Started

FAQ About Land Loans, Loans for Vacant Land, and Lot Loans

What kind of properties can I buy with my land loan?

You can use a land loan to finance raw land, vacant land, lots, and acreage.

  • Up to 20 acres.
  • Power, well, and septic systems aren’t typically needed.

You can also use an ACU land loan to refinance your existing loan.

Do I need to show plans to build on my land?

ACU offers flexible timelines for your future home build, but our land loans are intended for someone who is going to be building a home within five years.

What might be included in my closing costs?

Closing costs are generally about 4% to 5% of the home’s value and are split between the buyer, seller, and lender. Closing costs on land loans may include:

  • Origination fee
  • Underwriting fee
  • Document preparation fee
  • Interest rate lock fee

How can I make monthly payments on my land loan?

The easiest way to do this is to sign up for automated monthly payments. You can fill out the application when you close on your land loan, so you’ll be all set to begin your simple mortgage payments!

Can I use Online and Mobile Banking to manage my land loan?

Definitely. Online and Mobile Banking are great ways to access eStatements, eNotifications, eAlerts, and other convenient features. Using them should make your mortgage experience straightforward and stress-free.

Will I need to become a member of America’s Credit Union to be eligible for a land Loan?

Yes, ACU FHA Loans with competitive rates are available to members only – and we’d love to have you join us! Learn more about joining and membership eligibility here.

More ACU Home Loan Tools for You

Land loans are just the beginning. America’s Credit Union also offers our members a convenient range of products and services to finance your home and access equity.

VA Loan

Low rates and a 0% down payment mean a VA Loan is the most affordable way for America’s Veterans, reservists, and active-duty service members to secure a home.

Learn More

Adjustable-Rate Mortgage Loan

Enjoy the best of both worlds with a low, fixed introductory rate, then rates that gently adjust over the course of your generous term.

Learn More

Home Equity Loan or Line of Credit

Once you gain equity in your home, you can access the funds via an installment loan or a credit line and pay for renovations, debt consolidation, and more.

Learn More


*APR = Annual Percentage Rate.

Rates and fees are based on occupancy status, LTV, credit and are subject to change at any time. Please contact the Mortgage Department with any questions.


What Our Members Have to Say


“The loan office was super helpful and informative.”

-Chanel G.
4 friends on a mountain top

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