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Lot and Land

Secure a residential lot or piece of land to later build your home. Buying now with a Lot & Land Loan allows you to use the land equity for a down payment on a construction loan when it comes time to build.

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new construction buildings

 

Product Details

  • 5-year1 or 10-year2 conventional fixed-rate term
  • Local underwriting and servicing
  • Preapprovals and commitment letters available
  • Kansas Properties Only

 

1 Purchase mortgage is a fixed rate with a 5-year repayment and 30% down. Annual Percentage Rate as of 2/18/2026 is 8.915%. Example: A $70,000 loan with 30% down financed at 7.75% interest rate equals a monthly payment of $1,410.99 for 60 months. Taxes and insurance are not included; actual payments may be greater. Other restrictions may apply, for full details speak with a Credit Union of America Loan Officer.

2 Purchase mortgage is a fixed rate with a 10-year repayment and 30% down. Annual Percentage Rate as of 2/18/2026 is 9.392%. Example: A $70,000 loan with 30% down financed at 8.75% interest rate equals a monthly payment of $877.29 for 120 months. Taxes and insurance are not included; actual payments may be greater. Other restrictions may apply, for full details speak with a Credit Union of America Loan Officer.