Lot Loan Become the landowner you have always wanted to be! Valley Federal Credit Union offers competitive lot loans with fixed APR rates as low as 6.50% on loans for up to 10 years or 7.50% for up to 15 years. ***! You can use your loan for any of the following: Pay for the property of your new home. Extend your property line with an additional lot of land. Finance the purchase of land for your new business. We also provide up to 90% financing! *Rates are subject to change without notice. ** Rates may vary based on property lot acreage. ***Certain terms and conditions apply. For more information, visit our main office or our Harlingen branch. Apply Online Today!