Due to the Coronavirus, we are changing how you access your branches. We have suspended services at our 5 Moore Drive Branch, but we welcome your business at our Main Branch located at 10810 Chapel Hill Road, Morrisville NC.

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.

Key Features

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

    • Financing for future construction of residential dwellings in North Carolina
    • Fixed 8.50% APR*
    • Flexible Terms
    • Up to 90% loan-to-value financing for qualified buyers
    • Get a land loan today


*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.