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Discover MCFCU

Land Loan

Your piece of paradise is filled with potential

Purchase lots and acreage of any size

No requirement to have a finalized building plan

Use it for future construction, recreation, farming, or simple investment

Dream big when you buy land in Maui County, HI

All you need to do is fall in love with the location. Maui County FCU's Land Loan is built to finance exactly that: a loan for buying the land itself, separate from any home or building on it, unlike a traditional mortgage, which is tied to an existing structure. From there, your plans can come together on your schedule.

Maybe you envision a dream home built from the ground up. Or you have ideas for recreational or farming use. Even if you want to invest in the property without a clear idea of how to use it, you can move ahead with our team's help.

  • Finances the land itself, not a home or building, unlike a traditional mortgage.

  • No requirement to have a finalized plan for the property before financing.

  • Buy your plot of land first and decide what to do with it later.

  • Works for construction, recreation, farming, or straightforward investment, whatever your reason for buying.

Make your dream home a reality with Maui County Federal Credit Union's home loan options with competitive loan rates. Contact a member of our team today to get started, or apply online.

Build your plans with Maui County Federal Credit Union.

Land Loan FAQs

You will need to apply for a Construction Loan.

Land loan rates are fixed.

Land loan terms are for 15 years.

  • Maui County FCU membership ($5.00 par-value share).

  • Credit and underwriting approval.

  • Property-specific requirements (for example, access, utilities, zoning, or acreage limits

Resources for Managing Your Money

Helpful resources, financial education, calculators, and guidance to help you save smarter and handling your finances with confidence.

Financial Education

Take Charge of Your Financial Future

Understanding how money works can empower you to build a secure future.

Determine your monthly mortgage payment.

Learn how to keep your accounts and information secure.

Bank smarter with convenient digital tools and features.

View current rates for loan products.

Financial Education

Take Charge of Your Financial Future

Understanding how money works can empower you to build a secure future.

Determine your monthly mortgage payment.

Learn how to keep your accounts and information secure.

Bank smarter with convenient digital tools and features.

View current rates for loan products.

  • Earn 5% in dividends

  • Debit card rewards

Malama Rewards Checking

Enjoy a checking account with rewards

Earn 5% on your checking account up to $25,000, plus rewards for using your debit card for everyday expenses.

Start turning your vision into land you own