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NORTH HIGHLANDS, Calif. — SAFE Credit Union has been doing indirect lending for 14 years and like many credit union indirect lenders, it realized early on that members that are signed up at the local auto dealer are not typical members.

Members that come from the indirect channel are typically a single-service household where the service is that auto loan. They may have a $5 minimum share account to establish membership, but these aren’t exactly members that call the credit union their primary financial institution.

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