Construction Loan  
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  Land Loan
Whether you plan to build in the future, or simply enjoy the land today, owning property is still an American dream and a sound investment. At Y-12 Federal Credit Union, we will help you finance your land purchases with the best rates and flexible terms.

Whether you are purchasing a new piece of land, or refinancing an old one, you can finance up to 80% of the appraised value or purchase price, whichever is less, for a maximum term of 15 years. And, as with all our mortgage loans, there is no penalty for early prepayment.

When you decide to build on your property, Y-12 Federal Credit Union can extend your financing with a Construction Loan to help you during all phases of owning a piece of the American dream.


Autos 2011-2017 as low as 2.74% APR
60-Month Certificate as high as 1.25% APY
Home Equity-Variable Interest Only as low as 4.00% APR
*Rates subject to change; certain restrictions apply.(1)APR (2)APY
NMLS #441816
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency
Member Cellular Discounts with Sprint
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