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A Local Credit Union That Cares

Vacant Land Loans

Wailuku Federal Credit Union offers financing for vacant land, whether you are purchasing or have an existing loan that you would like to refinance. Vacant Land Loans have the following terms:

  • Maximum Loan-To-Value (loan amount divided by property value) is 75%
  • Loan Term of 1 to 5 years
  • Payment Amortized (Calculated) Over 40 Years*

*This is a balloon loan since the scheduled payment is amortized (calculated) over 40 years but the loan term is 1-5 years. Unless more or larger than scheduled payments are made over the life of the loan, it is likely that there will be a large balance due at the end of the loan.

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I have been doing business with Wailuku Federal Credit Union for 11 years now. Walking into the branch feels like stepping into one of my family member’s home. I’m always greeted by a friendly face such as the team members Alyssa, Kellie, and Brandi just to name a few. Mahalo Wailuku FCU for treating me like family.
-Trina K.