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  • Locations
    • Cary Headquarters Branch
    • 1815 Kildaire Farm Rd., Cary, NC

      Monday - Friday 9 am - 5 pm

      919-576-2800
      Branch & ATM Details

    • Other Branches & ATMs

    • Morehead City, NC
      Havelock, NC
      New Bern, NC
      Greenville, NC
  • Contact Us
    • Pay Loan
  • Bank
    A Share Savings account is the first step in becoming a Member of First Flight Credit Union, a financial institution that puts people first. Start saving while enjoying all the benefits of Membership today! 
    This promotion is for eligible parents/guardians who open a New Member account alongside a Young Savers Account.
    See Terms »
  • Borrow
    We’ll beat your current Auto rate by 0.50%1. We offer: Great low rates, waived processing and DMV fees, fixed monthly payments and personalized serviceSee Terms »
  • Earn
    Money Market Accounts Share Certificates IRAs
    Personal Savings Accounts Business Savings Accounts Young Savers
    New Members of First Flight Credit Union can open a Prestige Money Market with a minimum deposit of $250.
    See Terms »
    • Why First Flight?
    Membership Inquiry
    First Flight Credit Union Logo

    Welcome to First Flight Credit Union

    We offer personalized service, competitive products and services and reinvest in our local communities.
    Membership Inquiry
    » SAVINGS
    A Share Savings account is the first step in becoming a Member of First Flight Credit Union, a financial institution that puts people first. Start saving while enjoying all the benefits of Membership today! 
    YOung Saver Promo
    This promotion is for eligible parents/guardians who open a New Member account alongside a Young Savers Account.
    See Terms »
    Auto Refinance Promotion
    For a limited time, First Flight Federal Credit Union is offering to beat your current Auto Loan rate by at least 0.50% when you refinance your auto loan with us.
    See Terms »
    Money Market Promotion
    New Members of First Flight Credit Union can open a Prestige Money Market with a minimum deposit of $250.
    See Terms »
    Auto Loan Promotion
    For a limited time, First Flight Federal Credit Union is offering to beat your current Auto Loan rate by at least 0.50% when you refinance your auto loan with us.
    See Terms »
    Young Saver Promotion
    This promotion is for eligible parents/guardians who open a New Member account alongside a Young Savers Account.
    See Terms »
    Money Market Promotion
    New Members of First Flight Credit Union can open a Prestige Money Market with a minimum deposit of $250.
    See Terms »

    Residential Lot Loans

    Plan for the Home of your Dreams.

    Maximum borrowing amount

    $500,000

    Term available up to

    10 years

    Rates as low as

    7.518%APR

    Build Your Future from the Ground Up

    First Flight offers a low, fixed-rate loan option to purchase vacant, residentially-zoned lots located in North Carolina. Whether you are planning a location for a future home or looking to purchase a location for your manufactured or park model home, First Flight Federal Credit Union can assist you. First Flight Lot Loans are available for lots up to 5.0 acres in size with loan amounts up to $500,000. The Loan amount can be up to (the lesser of) 75% of purchase price or appraised value. If you would like to learn more before applying, please reach out to our friendly staff at First Flight to help you navigate the process. Additional features include: 

    • Up to $500k loan amount
    • Fixed Rate
    • 10 year Term
    • No requirement to build immediately
    • No balloon payment
    Apply Now

    Quick Links:


    APR = Annual Percentage Rate

    Payment Example: 120 monthly payments of $11.61 per $1,000 borrowed. Approval based on credit history, loan amount to property value ratio, and other factors. Rates are subject to change at any time. Please speak with a First Flight representative for full details.

    Your land. Your vision. Your future. Let’s get started with a Lot Loan built around your goals.

    Easy application

    A First Flight Member Service specialist will guide you through our application and answer any questions you have.

    Fast decisions. Fast funding.

    We have processes in place for a quick-turn around on loan decisions. We value your time and respond quickly.

    30-day interest rate lock guarantee

    If approved, your lot loan rate is locked for 30 days—giving you time to finalize your decision to refinance.