Land & Lot Loans

All dreams need a place to grow. That includes your home. With an Idaho Central Land Loan, you can find that perfect piece of land to build upon. It’s time to start dreaming!

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You plan to build and need a loan for the land.

Local Service & Friendly Care

All Idaho Central Land Loans are locally underwritten and serviced. This means we won’t sell your loan. We are with you from start to finish providing the great service you deserve. Call an ICCU Construction Loan Officer in your area for current rates.

Use our online Mortgage Portal or contact a knowledgeable construction loan officer.


5-30 year

Loan-to-Value Ratio (LTV)

Up to 80%


Up to 15 acres

Loan Rollover

Can be rolled into your construction loan

Build Your Home With Confidence

We want to help you through the loan process and get you resting comfortably in your home as soon as possible. Our highly trained, friendly staff understands the housing market where you want to live. After all, we live here too. We’re available to help during extended hours and on Saturdays.

Fast, Local Decisions

  • Local underwriting
  • Fast approvals
  • Fast closing, usually within 30 days
  • Local servicing on most loans

Save Money

  • Low, affordable interest rates
  • No initial loan application fees
  • Low mortgage insurance premiums
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Information and interactive calculators are made available as self-help tools for your independent use and are intended for educational purposes only. Any results are estimates based on the information provided by you, the user.

Personalized Rate Quote

Tailored to your unique circumstances, our personalized mortgage rate quote tool asks you a few questions about your current financial situation. Based on your answers you will be given a list of rates that fit your needs. Get your personalized mortgage rate today.

Become a Member

Idaho Central Credit Union was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho or Washington, chances are you can become a member of Idaho Central Credit Union.

Find Out How