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Tarjetas de crédito para cada necesidad

Con tasas variables bajas, opciones de pago con billetera digital y sin tarifas anuales, los miembros disfrutan más con una tarjeta de crédito SCCU Visa®.

Compara Tarjetas

Lot Loans

Foundation for the Future

Looking to build from the ground up? Get started with our affordable Lot Loan. Our Lot Loans are designed for a smooth transition from lot loan to construction loan.62 

Aplica Ahora

Product Features

Plazos y cargos
Application Fees


Intangible Tax


Origination Fees

$1,100 plus .25% of loan amount

Pre-Payment Penalties



3 year fixed interest only with balloon65

Frequently Asked Questions

A land loan can be used to purchase raw land that is not ready for development. For this reason, land loans are sometimes referred to as raw land loans.

On the other hand, a lot loan can only be used to purchase land that is already prepared for development. For example, the land being purchased usually already has the following:

  • A land survey report that denotes the lot's boundaries.
  • Appropriate zoning with the city or county
  • Access to public road, water, electricity, gas, sewer, etc.

At SCCU, we offer lot loans.

You can get started online or by phone.

Have questions? Our Team Members can help you find the loan that's right for you, and take your application over the phone in just minutes. Once your application is completed, your personal Mortgage Representative will contact you within one business day.

¿Se sintió ayudado?
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Yes. We've created our Lot Loan, knowing that down the road you will most likely want to build on the property. Therefore, we offer a $1,000 Construction Loan credit to help you get started.

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Yes, the balance of the loan would be rolled into the construction loan.

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The lot must be zoned and ready for residential building. This includes having access to a public road and utilities. Property must be less than 5 acres.

¿Se sintió ayudado?
¡Gracias por sus comentarios!