Millennials, which have been called the most disruptive generation in history, have already transformed the retail, social media and technology sectors. They've also put pressure on financial institutions, because they expect to bank on their terms.

The Census Bureau projected the millennial population, which totaled 74.8 million in 2014, will reach more than 75.3 million in 2015. That means they'll outnumber the baby boomers – the next largest generation.

Here are seven New Year's resolutions credit unions should make to better engage with millennials.

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Roy Urrico

Roy W. Urrico specializes in articles about financial technology and services for Credit Union Times, as well as ghostwriting, copywriting, and case studies. Also: writer/editor of a semi-annual newsletter for Association for Financial Technology since 1997 and history projects funded by the U.S Interior Department, National Park Service and Warren County (N.Y.).