Christmas may be five months away, but that doesn't stop me from making a wish list. While many credit unions lack the resources to implement what some may consider Gen Y member luxuries, we can still dream, right? Here are my top five products and services that in a perfect world, every credit union would offer us.

Mobile bells and whistles. Smartphones are practically an extension of Gen Y members' bodies. I'd like to be able to do more than view my balance and transfer funds between accounts through my credit union's mobile app. I want to use my iPhone to scan and deposit checks, which would save me a trip to a branch or ATM. If I need to pay a friend back for dinner or a group gift, I'd like to instantly transfer money from my account to hers. I'd love to pay my monthly bills in a single mobile transaction, and if I'm in an unfamiliar part of town, I want to know where I can go to withdraw cash without making a call or doing a Google search.

Robust budgeting help. With all the temptations out there, controlling spending is a common challenge for Gen Y members. I'd like to be able to access a tool on my credit union's website that clearly explains how much I'm spending in various categories and shows me how I can change my habits to better fit my budget. The ability to access the tool from a smartphone or tablet while I'm out shopping would make the service even better.