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Raw Land Loans

Plot your dreams

Purchase or refinance that prime piece of land, with competitive rates, low down payment options, and a variety of terms.


Variety of uses

Whether you purchase or refinance, use your raw land loan funds how you want.


Multiple term options

Choose the repayment terms that work for your budget.


Low down payment

You may not need 20% down— lower down payment options make it easier to buy now.

Calculate your monthly payment1

Monthly Payment

Low Down Payment

More money in your pocket

With low down payment options, you can purchase land now, without a ton of cash upfront.

Family holding hands walking in a grass field
Variety of Uses

Use your funds multiple ways

Looking to purchase or refinance that perfect plot of land? Use your funds multiple ways.

Family in a wheat field with their dog

Trust is a top reason members choose Members Mortgage.

— 2023 Mortgage Processing Survey

How it works

It's easy to get a raw land loan.

  • 1

    Complete an application

    Apply online, by phone, in person, or through video banking.

  • 2

    Get approved

    We'll let you know if you're approved or pre-qualified.

  • 3

    Close on your land loan

    Use the funds to purchase or refinance a plot of land

Apply now

Have questions? We're here to help!


Schedule an appointment


Schedule now


Meet virtually


Video Banking


Give us a call


Call 218-625-8580

Land ownership, simplified


Get a raw land loan with competitive rates and flexible terms to purchase or refinance your perfect plot of land.


Apply now


1 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. Calculations do not include amounts for taxes and insurance premiums, if applicable, and your actual payment obligation may be greater. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.

Members Cooperative Credit Union lends to Minnesota and Wisconsin residents only and property used as mortgage security must be within the states of Minnesota and Wisconsin. Membership and loan approval required. Restrictions apply.

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at any branch office regarding the locations where HMDA data may be inspected.

Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers. In order to receive account notifications you must enroll in online banking services and specifically text notifications. Membership required.

Video Banking

Juneteenth Holiday Closure All offices will be closed Wed., 6/19, for Juneteenth. β€―ATMs, mobile services, and online banking are available 24/7. View all our holiday closures.