Land Loans in Oklahoma & Kansas

15 Year Fixed Land Loans as Low As 7.250% ⓘ Click for Details

Make your dream of owning land a reality with a land loan from Communication Federal Credit Union. Enjoy low fixed rates, flexible terms, and down payments starting at just 5%.

Land Loans
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Land Loans

Loans for Land & Lots (Non-Commercial)

Buy property or acreage in Oklahoma or Kansas with a Land Loan from Communication Federal Credit Union. Land loans are available for purchases of land and lots (up to 100 acres) zoned non-commercial, and require a down payment of as little as 5%.

  • Low Fixed Rates
  • Terms of 5, 10, or 15 Years Available
  • Maximum LTV of 95% on Purchases or 80% on Refinanced Loans
  • Loans Available Even if You aren’t Ready to Build

Land must be undeveloped and not used as agricultural in nature, such as farms, orchards, or ranches. A land loan will not be given any value for any outbuildings or any other dwellings on the undeveloped land.

See Today's Land Loan Rates

Product Rate Points APR*
Land 15 Year Fixed 7.250% 0.000% 7.975%

Rates as of August 15, 2026 10:15PM CDT. Select a rate or APR for assumptions and payment details.

*APR = Annual Percentage Rate. Please note that rates and fees are subject to change without notice. All offers subject to credit union approval.

Land Loan Calculator

Ready to build or invest in land or acreage? Estimate monthly payments on land and lot financing with Communication Federal Credit Union’s land loan calculator.

Ready to build or invest in land or acreage? Estimate monthly payments on land and lot financing with Communication Federal Credit Union’s land loan calculator.

This calculator provides approximations for informational purposes only. Actual results will be provided by your lender and will likely vary depending on your eligibility and current market rates. Rates shown are for illustrative purposes; your actual rate, APR, and points are determined at application. Payments shown are principal and interest only and do not include taxes, homeowners insurance, private mortgage insurance (PMI), or escrow. This is not an offer or approval of credit. Communication Federal Credit Union is an Equal Housing Lender. NMLS# 403254.

Ready to build? See our mortgage options or see how much equity your current home has!

Make your dreams a reality with a land loan from CFCU.

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*APR = Annual Percentage Rate. Rates subject to change at any time without notice. All offers subject to credit union approval. Requires credit score of 640 or above. Land Loans are not available for properties with active farming.

The borrower will incur the expenses for an appraisal, origination fee, credit report, title search or title commitment, title insurance, document preparation, recording cost, and any other costs associated with loan origination and closing.