Land loans with local guidance.
Ready to buy or build on land? CSCU and our partner FocusOne offer land loans and help you choose the one that fits your plans.
Land for your plans.
Whether you are buying or building, talk with the local CSCU team or our FocusOne partners.
Buying land
Get help choosing a loan to buy the property you have your eye on.
Building on it
Planning to build? Tell us your plans and we will help you choose a loan.
Just exploring
Not sure where to start? Use the checklist and calculator, or text us.
Plan.
Think through your goals and budget. Our checklist can help.
Talk with us.
Text (936) 295-3980 or set up a reservation or phone call with the local team.
Apply.
Apply online, or ask us to help.
Make it yours.
Your loan team walks you through the final steps.
Before you buy land.
Land comes with questions a house does not. Check these first.
Estimate your monthly payment.
Move the sliders to see what a land loan could cost. These are sample numbers, so change them to yours.
Estimate only. Sample numbers that are not CSCU rates, terms, or a loan offer. Does not include property taxes, insurance, or fees. Your actual payment depends on your loan. All loans subject to credit approval and membership eligibility.
Helpful tools.
Plan at your own pace.
Planning checklist
A checklist to help you plan your property and financing choices.
Open the checklistMore calculators
Compare renting and buying, payments, APR, refinancing, and early payoffs.
Open the calculatorsQuestions? Just ask.
Text us any time. We reply during business hours.
Text us.
(936) 295-3980. Standard message and data rates may apply.
Or schedule a time.
Pick a reservation or phone call with the local team.
Or contact FocusOne.
Our partners can answer land loan questions too.
Frequently asked questions
Who provides CSCU land loans?
CSCU has partnered with FocusOne to offer land loans that support property purchases. You can work with the local CSCU team or with FocusOne.
How do I get started?
Select Apply Now to start online. You can also text us at (936) 295-3980 or schedule a time to talk first.
Can you help me choose a loan?
Yes. Our team can help you choose a loan for building or buying land. Tell us about your plans and we will help you find the right fit.
What decides my rate?
The APR is set when your loan is disbursed and depends on creditworthiness and other factors, including collateral age and condition where applicable. Not all applicants qualify for the lowest rate, and other terms may apply.
What should I check before I buy land?
Look at access, utilities, zoning and deed restrictions, a survey, title, and flood risk. Ask a local professional about anything that affects how you plan to use the land.
Can I text you a question?
Yes. Text us at (936) 295-3980 any time. Our team replies during business hours and can help with questions, reservations, or applications. Standard message and data rates may apply.
Are you looking to buy a home instead?
See our mortgages page for help applying, prequalifying, and getting your questions answered.
What if I need to fix or upgrade a home?
Our Home Care Loans can help finance a home generator or HVAC purchase.
Ready to find your land?
Start your application, or text us and we will help.
All loans subject to credit approval and membership eligibility. The APR is set at loan disbursement and depends on creditworthiness and other factors, including collateral age and condition where applicable. Not all applicants qualify for the lowest rate, and other terms may apply. Federally insured by NCUA. Equal Housing Lender.