This study investigates the feasibility of using raw fly ash with a high loss on ignition in concrete. The fly ash-free concrete samples were prepared with different water-to-binder (w/b) ratios of 0.35, 0.40, and 0.45, whereas the fly ash concrete samples were prepared with a constant w/b of 0.40 and with various fly ash contents (10%, 20%, and 30%) as a cement substitution. The physical properties and durability performance of the concretes were evaluated through fresh concrete properties, compressive strength, strength efficiency of cement, ultrasonic pulse velocity, and resistance to sulfate attack. Test results show that the w/b ratio affected the concrete properties significantly. The incorporation of fly ash increased the workability and reduced the unit weight of fresh concrete. In addition, the fly ash concrete samples containing up to 20% fly ash exhibited an improved strength at long-term ages. Further, all of the fly ash concrete samples showed a good durability performance with ultrasonic pulse velocity value of greater than 4100 m/s and a comparable sulfate resistance to the no-fly ash concrete.