Who do you love more – the Millennials, the pundits who talk about Millennials, or the credit unions who offer all sorts of products to capture the Millennial demographic?

Let’s start with the Millennials themselves – the most hyped generation of all time. They were first introduced in 1981 as the “Echo Boomers.” They evolved into “Gen Y” – a weird mix of Gen X and Y2K. When the world didn’t end on Jan. 1, 2000, Gen Y became the “Millennial Generation.” It’s more dignified – right? But to credit unions they are becoming known as “Gen Wait.”

This last moniker reflects a dawning realization that the Millennial generation is waiting to do everything that matters to a credit union. Millennials are simply not buying cars or houses. They’re not getting married, having children or planning for retirement. Why? Because college debt, high unemployment or underemployment has crowded everything else out of the typical Millennial’s wallet.

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