Land Loans

The property you put a house on is just as important as the house itself. Whether you’ve already found a plot or you’re looking for one to build on, go ahead and get pre-approval for financing with a land loan from Welcome Credit Union.

When you get a land loan with us, it’s all handled right here in the Tarheel State. We have the flexibility to work with you to ensure your repayment terms work for you.

Making a house a home requires land to build upon.

We’re here to help make it happen. Give us a call at Phone 888-932-8148.

Key Features

  • icon images Competitive Rates
  • icon images Flexible Repayment Terms
  • icon images Local Servicing & Decisions
  • icon images Low Down Payment Options
  • icon images Stress-Free Closings
  • icon images Great Member Service

  • Vacant Land Loans

    • Financing for future construction of residential dwellings in North Carolina
    • Fixed 9.00% APR*
    • Flexible Terms
    • Up to 90% loan-to-value financing for qualified buyers
    • Get a land loan today
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*APR = Annual Percentage Rate. Land loans are restricted to undeveloped, single-family dwelling, residential real estate located within North Carolina. The maximum Loan-to-Value (LTV) is 90%. Individual rates and terms may vary based on down payment, Loan-to-Value, credit history, and credit score. Credit eligibility and other criteria apply. All offers subject to change at any time. See credit union for details. Federally Insured by NCUA. Equal Housing Lender. NMLS #411459.

Welcome Federal Credit Union will be closed on Monday, February 19 in observance of President's Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

Please be advised that the Henderson Branch will be closed on Friday, March 29 in observance of Good Friday.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

Welcome Federal Credit Union will be closed on Monday, May 27 in observance of Memorial Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

Welcome Federal Credit Union will be closed on Wednesday, June 19 in observance of Juneteenth.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Please be advised of our holiday hours for Independence Day: all WFCU branches will be closed on Thursday, July 4. The Zebulon-GSK branch will be closed July 1 - July 5.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed on Monday, September 2 in observance of Labor Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed on Monday, October 14 in observance of Columbus Day. 

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

Welcome Federal Credit Union will be closed on Monday, November 11 in observance of Veterans Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed for the Thanksgiving Holiday on November 28 & 29, 2024.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

As we close out 2024 and think forward to 2025, WFCU would like to wish all of our members and their families a wonderful holiday season and a prosperous New Year! Please be advised of our holiday schedule.

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