Land Loan

Whether you are building in 10 years or next month, once you have found the perfect 'forever' spot, you can't help but dream. We understand! If you don't want that opportunity to slip past, use our popular Land Loan to claim that spot.

Flexible terms and competitive rates to ensure you find the right loan!

Contact us to discuss today!


  • Easy way to purchase the land if construction is not going to occur immediately.

  • Loan to value up to 75% on unimproved land and 80% on improved!

  • Land loan can be a part of a Construction Loan if construction is imminent.


  • Fixed Rate 10-year option

  • 3/30 Balloon

Choose which fits your needs!

Contact us for current rates.


The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's Web site (


CFCU is registered with the New York State Superintendent of Financial Services. You may file complaints and obtain further information about CFCU by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or at