Based on September traffic (and our editorial instincts), here are the top articles and blogs that appeared on CreditUnions.com.

Rebecca Freeman, associate vice president of marketing for Silver State Schools Credit Union, will discuss the credit union's student savings program.

An informal office poll attempts to identify differences in attitudes on paper payments.

Plus, four reasons other millennials have trouble doing the same.

Five can’t-miss data points this week on CreditUnions.com.

Different generations require different conversations. This interactive series shows how credit unions can serve all ages.

Three in-school branches at area high schools help student staffers develop real-world skills and foster financial knowledge.

Join Anita Newton, chief innovation officer for CommunityAmerica Credit Union, and Callahan & Associates for a discussion about how the credit union's innovation lab puts member experience first and what the cooperative has learned about developing tools that members will adopt.

Miller Devenny makes connections with millennials and more at South Carolina’s largest credit union.

Credit unions can use consumer complaints to differentiate themselves from their competition.

An AI demonstration, millennial matters, and whacking fraud moles captured attention on Tuesday at Card Forum 2018.

Three Callahan millennials talk about what it takes to buy a home, from the emotional connection to setting long-term savings goals.

Even with preparation, middle school students are surprised to see how tight real-life budgets can pull.

No credit union exists solely to serve millennials ... yet. However, making up First Millennial Credit Union brought to light what its creators really want from a financial institution.

A common bond across space and time is still a bond. Credit unions must make the case for millennials and beyond.

Mini-houses, alternative leasing options, robust apps, are just part of the opportunity and challenges for serving a generation about to inherit trillions.

In episode No. 921, Callahan consultant Sharon Simpson sits down with Mike Lawson to talk money management for teens.

How First Millennial Credit Union got its start and runs its business.

This millennial couple is moving into a mortgage. Follow their first-time homebuyer story.

This millennial couple is moving into a mortgage. Follow their first-time homebuyer story.

Five can’t-miss data points this week on CreditUnions.com.

A Gen X mother shares three ways any parent, or financial institution, can encourage money management.

Get relevant or crash to the ground. Choose wisely.

Callahan’s dog owners talk responsibility, finances, and decision-making.

One Callahan millennial explains why she tends bar in addition to her 9-to-5.

Student lending at credit unions was up 13.7% in third quarter 2017.

Four can’t-miss data points this week on CreditUnions.com.

In this webinar, Amanda Lunger, chief marketing and sales officer for Central Willamette Community, discusses the credit union's campaigns designed to attract deposits and keep up with it's eight consecutive quarters of double digit loan growth.

One millennial wonders if he will have to rent for the rest of his life.

Understanding the role of family and technology can go a long way toward becoming the trusted agent for that most major of purchases.

Five can’t-miss data points this week on CreditUnions.com.

We want financial success. Here’s how credit unions can help us get there.

A marketing campaign at a Kentucky credit union makes member communication a top priority.

This millennial wants plastic with the right mix of rewards, security, and budgeting tools.

I am a veteran, and Navy Federal’s “Millennials and Their Money” highlights something I know to be true.

The hottest employee benefit of 2017 could be a new opportunity for credit unions.

Callahan’s millennials weigh in on Debitize, a service that promises to make a credit card act like a debit card.

This millennial couple is moving into a mortgage. Follow their first-time homebuyer story.

An investigation into whether millennials should take responsibility for killing homeownership.

In 2008, credit unions began dipping their toes into what many considered to be the treacherous waters of private student lending. More than nine years later, credit unions are charting a positive course.

Five can't-miss data points featured this week on CreditUnions.com.

Callahan & Associates and Jessica Schindel, marketing specialist and Your Voice spokesperson for Community 1st, discuss the history of the credit union's young adult efforts.

This generation has other long-term goals when it comes to their finances.

Brand loyalty is weak among millennial consumers, but a new take on the concept is taking shape.

Callahan & Associates and Truity Credit Union's AVP of Marketing, Amy Grose, discuss the credit union's Graduate Loan Package, including how it identified the opportunity, what specific requirements it has in place, and how the offering has helped increase members in the coveted 18- to 34-year-old demographic.

Millennials payment preferences, third-party payment apps, and how credit unions should capitalize off the two.

This millennial couple is moving into a mortgage. Follow their first-time homebuyer story.

The millennial disposition toward education and the student loan debt often associated with it — and how credit unions can help them overcome it all.

How the unspoken requirement of the internship impacts my life and my generation and how it should impact credit unions.

The familial influence is strong, but here are two ways credit unions can sway a switch.

A new CreditUnions.com millennial correspondent introduces what’s next for her generation.

What recent college grads say about student debt, what they needed at age 18, and how they chose their bank or credit union.

The American Dream is a strong national ethos that defines this country. But has that dream evolved, and does it mean the same thing for me as it once did for past generations?

Enrollment in college and the amount of student loan debt are at an all-time high. See where two millennials at the University of South Carolina fall into the student debt narrative.

Five can't-miss data points featured this week on CreditUnions.com.

Linn Area Credit Union kept it real even when employees donned costumes for the cooperative’s sponsorship of a local comic book convention.

We want what we want. Here, two twenty-somethings offer personal accounts of surprise fees and uncertain service.

30% of college students surveyed for a LendEDU study said they used student loan money for spring break. That’s their business … and their burden.

Five can't-miss data points featured this week on CreditUnions.com.

Revisiting the topics of The Millennial Disposition through the eyes of Syed, a 20-year-old student at the University of South Carolina.

To serve consumers of alternative financial services, credit unions must first understand who they are and what they want.

If prospective members can’t easily determine whether they are eligible to join a credit union, they’ll lose patience and interest.

We aren’t known for our tight relationships with financial services providers, but credit unions can set their business apart from the competition.

The fluctuating economy has had a large effect on the millennial mindset. Here are some of the overarching problems that permeate the generation.

Credit unions can benefit greatly from knowing the perspective of the millennial generation. Here's a guided tour into their mindset.

Results from a recent TimeTrade survey shed light on the member experience.

13 words and phrases that will help you fit right in with the millennial generation. Plus, a word search of credit union whose names call to mind these phrases.

Callahan & Associates and Sula Pettibon, Family Trust's vice president of marketing and community relations, discuss why the credit union chose to relocate its HQ to the city's redevelopment, how its actions have served to support the city's goals, and why this matters to the Family Trust's bottom line.

HMDA data reveals who is, and who isn't, taking out mortgages.

Takeaways from Empower U 2016, as well as how one credit union lowered its average member age.

A college loan can be, and often is, the foundation of a long-lasting relationship between a member and a credit union.

The millennial-loved payments app turns to traditional advertising for the first time.

In episode No. 621, Callahan industry analyst Stephanie Clark talks with Mike Lawson to discuss why credit unions with less than $50 million in assets need new technology to survive in the marketplace.

The game is hot now, but what do you do when that Next Big Thing comes along?

Artwork commissioned from local college students underscores the connection between Family Trust Federal Credit Union and its Rock Hill, SC, community.

The senior human resources manager at Credit Union 1 in Alaska shares tips to work with an office full of millennials as well as a veteran perspective on hiring and firing.

What to take away from the conference at the “interface of psychology and economics?”

To retain possibly restless new hires, credit unions are investing in ideation programs, career development, and community service.

Michigan State University FCU’s new Financial Innovation and Education Center promises to introduce a new generation to the credit union industry.

One size doesn't fit all. Providing an extensive credit card product suite can enhance members' experiences and optimize portfolio revenue streams.

New research shows greater levels of financial satisfaction and confidence among military millennials, and Navy Federal’s introduction of a new financial education website.

How financially illiterate are our nation’s university students?

Callahan & Associates and Ronaldo Hardy discuss the benefits and challenges of managing a young executive team and working with a mixed-generation board of directors.

According to a recent J.D. Power report, the generation once thought to end car culture is now buying cars in higher numbers.

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

Bring a millennial into a credit union environment and the institution will survive for a day. But bring a credit union into a millennial environment and it will thrive for a lifetime.

The generation after the millennials promises to effect more change in the workplace than any of its predecessors.

How Generations Federal Credit Union uses its award-winning social media platforms to boost member engagement and awareness among 20-somethings.

Advisory roles are helping two credit unions engage millennial members.

In this Q&A, Ronaldo Hardy, CEO of Shell Geismar FCU, discusses the benefits and challenges of employing millennials at an innovative credit union.

The largest and most diverse generation in the United States is challenging the status quo of financial institutions with its demand for convenience, expanded choice, and social responsibility.

Credit unions can help millennials through financial services and employment opportunities. But first they must catch the interest of this notoriously tough-to-crack generation.

This Callahan writer tracked his mobile phone usage for the past six months. Here’s what he found.

2015’s best lessons and strategies in attracting the all-important millennial generation.

This week, CreditUnions.com runs down some of the most actionable content from 2015. Use these programs and initiatives to provide a creative spark in 2016.

Individualized, timely service and best rate possible for mortgage insurance can help seal the deal.

Today's mobile generation can access end-to-end information during the mortgage process, and credit unions can customize apps with branded marketing messages.

Altra Credit Union’s specialized strategy to develop relationships with youth and gain long-term loyalty has helped the Wisconsin institution decrease its average member age by five years.

Brookings report details “selective” debt crisis; outlines impact of non-traditional borrowers and for-profit colleges.

Surveys show Facebook, Twitter not being used effectively enough to reach consumers where they digitally live.

Providing payments transaction tools in a format millennials crave will make your credit union a top candidate for these “virtual” bankers.

What a new Pew Research report shows about the millennial perception of itself.

Learn how Altra Credit Union's Go Mobile team has helped the institution lower its average member age to 39, nearly a decade younger than industry average.

A phone call hits the mark for this millennial marketer. Life insurance statement stuffer? Not so much.

This week, CreditUnions.com features articles detailing credit union strategies used to attract and retain young adult members.

How Ent Federal Credit Union’s partnership with a local institution helps it grow younger and serve the next generation of member.

Open ears, open doors, and a blank slate for new product design all helped Listerhill tailor its appeal to a young adult market.

How do you connect with millennial members whose future is so entirely … to be determined?

How Capital One uses Instagram and user-generated content to advertise to millennials.

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

What the hotel chain’s ambitious plans to modernize for the millennial traveler tells the credit union industry about the oft-dissected generation.

Scott Patterson, Credit Union Student Choice CEO, shares best practices for connecting with the desirable young adult market.

A member-centric motto and financially sound community outreach helps Warren Federal Credit Union reach students at all levels.

When TDECU sponsored the University of Houston’s new football stadium in 2014 it wanted more than a partnership.

A study from the Center for Financial Services Innovation underscores the differences in financial health, attitudes, and behaviors among millennials.

Discussions on the future of mobile banking and more millennial research Wednesday at the Emerge Forum.

An aggressive mix of targeting and technology has helped the Wisconsin-based credit union decrease its average age and expand member usage.

Generations Community explains a three-pronged plan to catch members early and help them invest for life.

Millennials and new organizational structures are shaping the credit union industry for today and tomorrow.

The growth of the millennial immigrant population has handed the credit union movement a great opportunity and obligation.

A student loan can be one of the most life-empowering loans a credit union can ever make. But in an era of rising debt and negativity surrounding the product, can private education lending create win-win situations for both borrowers and lenders?

Low down payments and social media can help mortgage lenders speak language Gen Y buyers understand.

Asking applicants to submit videos as part of the interview process helps Listerhill Credit Union identify talent with the right mix of skills, personality, and professionalism.

Listerhill Credit Union reviews how video applications help it find the perfect applicants for a student branch.

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

Non-FI players are raising the bar for user experience and expectations. Now, credit unions must respond or retreat.

Callahan & Associates analyzes checking account penetration data as a part of Trendwatch 4Q 2014.

Student lending offers credit unions a chance to build early trust with a demographic that is getting tired of banks. And once that relationship is in place, the numbers can really add up.

Strategists, new Filene report say credit unions need new metrics to show the world how and why they matter.

These nine strategies and takeaways from non-traditional competitors offer inspiration for 2015.

This year, let’s celebrate how we’re alike as well as how we’re different.

What articles and blogs on CreditUnions.com resonated with readers this year? Check out our annual listings this week and see.

Three tips from Lake State on how to enter a new market.

Millennials are not saving, but holiday spending is up.

Discovering young adults want financial services doesn’t break new ground, despite the hype.

Credit unions that want to attract younger members cannot afford to ignore the needs of unmarried adults.

Help them understand the truth about payments. That's just one of many things you can do to get first-time homebuyers over the myths and into a home.

Ever wonder what those young members are saying? Here’s a rundown of youth lingo to help credit unions better connect to this demographic.

Loan programs built with the priorities of young adults and first-time buyers in mind make auto ownership an attainable goal.

CreditUnions.com spotlights strategies to attract younger members. Even better, other potential members will also find them pretty neat.

Young adults are faced with challenges in today's competitive economy.

Warren FCU wanted to make its way into the hearts and minds of college-town Laramie, WY. A socially conscious campaign proved to be the way.

Expanded mobile footprint outpaces social media atop priorities for presidents polled at Fiserv credit union confab.

Fannie Mae loans secured by a principle residence do not require any minimum contribution from the borrower’s own funds on one-unit properties. This allows many parents to help their children purchase their first home.

Ross Swartwout, Senior Designer and Social Media Specialist at BECU, discusses the credit union's social media program in this Leadership Series webinar.

Credit unions have increased their credit card market share nearly 50% since the recession. What can you learn from the industry’s notable performers?

Hollywood’s terrible, horrible, no good, very bad summer offers lessons on differentiation and market segmentation.

Credit unions should take note that credit card companies, issuers, and other industries are rallying around the tech giant’s long-awaited payments play.

In its quarterly Trendwatch webinar, Callahan & Associates discusses economic trends and the good news in loan growth.

Callahan & Associates talks about the credit union opportunity to grow market share among Generation Y members.

HarborLight Credit Union talks about running a youth advisory board to lower the average age of its membership.

In response to an evolving industry, new job titles are appearing on credit union payrolls.

How can credit unions attract, retain, and grow relationships with younger consumers to strengthen the vitality of their member bases?

What does it mean for credit unions that more millennials are willing to bank with titans of industry?

The same practices credit unions use every day also help them come out on top in a search.

The four areas through which credit unions can and must connect to the next generation

To find personable staff for a new campus branch, Listerhill asked applicants to submit videos that became a clever marketing tool.

The data suggests credit unions can do more with personal finance management tools.

Big ideas from this spring’s Finovate conference can help young, first-time investors connect with the stock market.

Lifecycle stage and peer group influence card members, so issuers should leverage appropriate marketing tactics that cater to the representative generation.

There are two stumbling blocks to attracting recent college grads — they lack certain skills and don’t yet realize they want to work at a credit union.

Through internships or class projects, young talent can help credit unions brainstorm new products and solutions.

Four tips from Apple and Suncoast credit unions on gaining access to schools and establishing a student-run branch.

Youth advisory boards help financial institutions connect with a new demographic on its own terms.

First Capital Federal’s rewards program increases loyalty, deepens relationships, and gives back to members who bank with the credit union.

The community benefits when young adults learn about common financial concepts; credit union team members can present economic education lessons through classes, workshops, contests, and events.

GECU attracts young members through a partnership with a local tea house.

How mobile payments are defining a new consumer segment.

Use these five free digital marketing tools to find new members online.

Online technology tools like SaveUp can help engage and grow a credit union’s younger membership.

How to handle a demographically changing workplace.

Take an in-depth look at Heritage Federal Credit Union's competitive processes.

Members demand mobile services to streamline personal banking and improve time management.

To expand its portfolio, Western Federal Credit Union implements a lending strategy that can compete with the big banks.

With the right strategy, social channels are capable of generating tangible returns worthy of the extra investment.

A new study suggests fictional characters generate more social media buzz than celebrity spokespeople.

Social media is more than just a tweet here and a Facebook post there; it’s become an essential part of your institution’s brand. If this is so, why do so many turn the reins over to inexperienced interns?

Melissa Gardner joins the MD state commission to show state leaders they can partner with credit unions to make sure existing educational resources reach more people.

An externship program at TopLine Federal Credit Union teaches students and educators about the essential skills needed to excel in business.

If you aren’t seeing a lot of traction from search, chances are, your keyword strategy needs a reboot.

Learn how one credit union has invited educators and students to participate in “job shadow” events to better understand what skills are most needed in the workplace.

You want my business? Offer me the right blend of financial planning resources and it’s yours – for both the short and the long term.

Financial literacy classes along with specially tailored products can attract the next generation of members who are critical to any credit union’s long-term survival.

Here’s a quick recap of some of the ideas and insights that came up during the second day of the 2013 BAI Payments Connect conference.

Credit unions can build long-term loyalty by helping consumers with their first big financial commitment.

Now is the time for credit unions to invest in three key strategic areas to drive success in 2013: mortgage lending, younger member recruitment, and sophisticated data usage.

When we say "Millennial" or "Gen Y," who are we even talking about?

What can credit unions learn from online crowdfunding platforms?

A Millennial examines three credit union options and discusses what she likes (and doesn’t like)

How a new corporate sponsor helps a struggling Florida credit union rebrand and regain financial health.

Video that personally resonated with viewers was all the rage in 2012. Build on that with advertising themes that are relevant to members in 2013.

A video promotion series targeting Gen Y is a creative way to attract new membership.

A video promotion series targeting Gen Y is a creative way to attract new membership.

Job fairs, management training programs, and loan relief benefit local employment rates.

Customize outreach and marketing for various products across multiple generations.

The second day of ACUMA's 2012 conference includes a session on targeting the younger generation.

Credit union videographers should look to smartphones for their filming and editing needs.

When a debit or credit card won’t cut it, reloadable prepaid cards offer a way for credit unions to build relationships with the sought-after Millennials and Generation Y.

Time for you to get a watch with a credit card built right in.

Gen Y’s preference to rent instead of own provides credit unions an opportunity to restructure products and diversify their loan portfolios.

If a video is uploaded to YouTube, but no one shares it …

McGraw-Hill FCU offers a platform for members to amplify their pro-credit union voice through videos.

Checking and back-to-school efforts were hot topics on credit union-related blogs this month.

Vantage West Credit Union shores up its premium checking accounts with a little help from a university head football coach.

Credit unions that aren’t active in student lending can assist students in other ways.

Could retro campaigns help connect to Gen Y and other creative groups?

IC FCU’s promotions take advantage of a recent craze for all things Zombie.

Gen Y is facing unprecedented economic hardships, but they don’t deserve to be lured into unhealthy financial products.

If Gen Y-ers try to emulate Snooki or the Situation, they’ll quickly find their wallets empty.

As a new generation enters the workforce, credit unions may have to adjust their workplace culture toward a more engaging environment.

GUASFCU focuses on products and services for students through the cyclical changes of the school year.

GUASFCU’s marketing efforts provide an example for credit unions looking to connect with college-age members.

Gen Y’s product demands now include first mortgages and auto loans, whereas Baby Boomers are turning toward retirement products.

YouTube can be a great tool for reaching younger generations.

Some retailers are giving up on youth targeted business models. Credit unions can learn from their mistakes.

Diversified student loans offerings help one credit union meet a wider segment of member needs.

Credit unions that have invested in attracting Gen Y are finding their efforts are now paying off as Gen Y moves into mortgages and auto loans.

About 92% of young adults believe a company’s success should be measured on more than just profit, a recent study finds.

An Oregon credit union rewards consumers who buy eco-friendly vehicles in an effort to increase its auto portfolio.

Georgetown University's student-run credit union offers its undergraduate executives experiences that propel them into the financial world.

Were they born in the 70s, the 80s, the 90s? Is Gen Y the exact same thing as the Millennials, or do the generations just sort of overlap?

Georgetown University’s student-run credit union nails down long-term financial relationships among its shifting membership base.

Check out on-site interviews with Georgetown University Alumni and Student Federal Credit Union, a $16M credit union run by executives in their 20s. Learn how a student-run operation in Washington, DC innovates and manages regular leadership transition.

Hosting artistic events helps one credit union celebrate a community’s identity while solidifying its own.

Georgetown University’s student-run credit union offers lessons in innovation and leadership transitions.

Successfully serving your members involves solving the changing problems that they face through life, not merely an aggressive cross-selling promotion.

Student loans continue to be a real need for many members, and credit unions can help in several ways.

The need for borrower education, lender responsibility, and school transparency is at the heart of the student lending debate.

More credit unions are trying to connect with students through on-site locations at universities and high schools.

Consumers want streamlined experiences. Here’s how to get them there.

Key into customized products and accessibility to target a younger generation's financial needs, as this Singapore-based institution did.

Sooper Credit Union creates an intimate member rapport through personalized URLs.

Vantage West Credit Union shores up its premium checking accounts with a little help from a university head football coach.

Dust off your fanny packs. It’s time to launch a 1990s nostalgia marketing campaign that will capture the hearts of a younger generation.

Gen Y credit union members have myriad choices for depositing their money. Which do they prefer?

Many credit unions are launching creative and successful campaigns this year.

A new credit union member's daily life crosses paths with four classic marketing campaigns — outside the Internet.

Is your credit union equipped to attract, educate, and serve today's young adults?

A Callahan Gen Y-er makes her final decision on a credit union.

It takes all three to effectively market to members and build lasting brand value.

Two articles in the Harvard Review can help credit unions reach youth members and motivate employees.

Cooperatives are spurring job growth, and getting youth involved is the logical next step.

Five criteria a Callahan Gen Y-er is looking for in a credit union.

Idealism might be Gen Y's best feature, but how do those standards impact employment choices? 

What can RDC do for your credit union?

The need for accessible money-management extends not only to current members but also to the next generation as well.

A Washington credit union brings the appeal of mobile-based promotions to financial education.

A disconnect between credit union perception and credit union reality requires creative solutions.

What features do members look for and how can credit unions successfully deploy this technology?

Credit union grassroots marketing is turning bankers green with envy.

Connect with a growing mobile generation that chooses to opt out of the traditional banking model.

Lessons from department stores on how to reach youth and (re)establish your relevancy.

A column about a college credit union demonstrates it knows banking, but does it know credit unions?

Is your credit union falling behind?

Help members identify responsible ways to get financial aid and pay for the rising costs of higher education.

What is the real value of social media?

What would your credit union do if it lost one-third of its lending portfolio? Creighton Federal Credit Union rolled with the punches.

Like people, CUSOs face different challenges as they age. To learn what a newborn CUSO can expect, we talked to professionals who run organizations of varying ages. Think of it as an advice-time continuum.

Turn local celebrity power into effective marketing.

Financial trauma has left Generation Y skittish with their finances.

A note of appreciation for a Callahan intern who earned the recognition of Oprah Winfrey.

Credit card regulations present hurdles on the road to fiscal freedom.

Credit unions must understand the technology solutions Gen Y needs today to become profitable, successful members tomorrow.

Marketing to Gen Y can seem like a daunting task, but these tips will help you to get the right message to the right potential members.

With differing opinions on the role technology should play in a financial institution’s Gen Y outreach, the education element should not be ignored.

A lesson from the world of social media.

Credit unions are giving the younger generation respect. In light of growing prejudice against Gen Y, this is a step in the right direction.

Inclement weather and regulatory action are shaking up the country from coast to coast.  

Listerhill Credit Union seamlessly integrates its “Pick 5” program into a tier of community-oriented initiatives.

A look at the Twitter phenomenon, from the credit union board-to-member connection to psychic octopi in Germany.

School-specific branding helps one Midwestern credit union enhance its Gen Y outreach and attract a steady flow of younger members.

Changes in FOM strategy—mergers, community charter expansion, and youth outreach—have credit unions leveraging multiple identities to connect with their membership.

Appealing to their parents is not the only way to attract twenty-something members.

Data shows Gen Y financial decisions are heavily influenced by their parents; being raised in a purely credit union family I am walking proof.

Gen Y members are stereotyped as being independent, tech savvy, and narcissist. How can credit unions take advantage of these supposed personality traits?

After a student banker finds herself in the midst of credit card troubles she seeks credit union alternatives on her road to financial recovery.

Happy Father's Day to all the fathers out there, from employees to members to credit unions themselves.

My bank cancelled my credit card and destroyed my credit score with repeated inquires. Now it won’t answer any of my questions about my account or its action. I’m looking for answers, and a credit union solution, to help me on my road to financial recovery.

Trendwatch interprets the data that high-level executives need to fulfill their daily obligations, but even Callahan’s fresh-faced intern found a few key take aways useful.

NACHA’s mobile banking survey offers insights into consumer mobile adoption patterns.   

Credit unions and businesses are demonstrating ways social media can bolster existing communication channels with members.

Make your credit union memorable, and you’ll have a member for life.

For online members, important factors in selecting a financial institution vary by age, income, and geographic location.

Content marketing provides a new solution to an old dilemma.

An interview with PNC President Joe Guyaux, one of the chief innovators of the popular Virtual Wallet account, provides lessons learned for the youth demographic.

Personal Finance Management tools benefit users and credit unions.

A recent poll by Harvard's Institute of Politics found that young adults are worried about meeting their most basic needs.

Last year at the GAC we were talking to credit union execs and Board Members about Gen-Y. This year, we’ll be asking some bigger questions…

According to Callahan’s 2009 Technology Survey, 29% of credit unions currently offer PFM tools and an additional 40% expect to offer them over the next two years.

If I didn't know what a credit union was, I never would have joined.

The story behind my decision to move my money from PNC to Lafayette Credit Union and what I believe credit unions can learn from it.

American Express is targeting Gen Y with a newly-branded charge card called Zync. Will young folks fall for it?

Products geared toward students help build financial loyalty and commitment.

Educate your members from cradle to college, rookie to retirement.

Washington Post coverage of the decline in private student lending. How can we get the good news about credit unions into this story?

The premise behind most social media success is the ability to engage your audience in a reciprocal conversation. This focus on cooperation and the open exchange of ideas is familar to credit unions, since at their heart they are cooperative businesses and founded on similar principles.

Arlington Community Federal Credit Union (ACFCU), a $188 million credit union with 36 percent of its portfolio in auto loans, created an innovative program to educate Gen Y about the car buying process.

52% of credit union members are using social media – why your credit union should have a social media strategy.

Data from an Internet Strategy Consortium survey show that 52% of credit union members use social networking websites. While social media initiatives won’t reach all members, they represent an opportunity to create a different type of relationship with particular member segments.

The credit union community on Twitter continues to thrive, gain new followers, forge new connections, and share the credit union story with a growing audience.

Recent economic events have given sudden prominence to the importance of financial literacy. Your credit union is positioned to provide authoritative financial literacy training to your community.

In March 2008, Digital Federal Credit Union ($4.5B, Marlborough, MA) launched a remote deposit capture service for members which has significantly increased their number of deposits.

What Gen Y wants in a credit union credit card program?

No longer just a tool for accessing cash at an ATM, the debit card, especially for younger members, is one of the most frequently used connections a member has with their credit union.

I have a confession to make…my primary financial institution isn’t a credit union. It’s PNC.

Learn what credit unions are doing on Twitter, and watch a CUtv short about how to get started with this media platform.

Can you imagine doing 75% of your annual loan volume in just a 2-month period? That’s what 100 pioneering credit unions are gearing up to do in private student lending!

Recent industry Gen Y survey data sheds light on what factors influence parents and young potential members to select and open credit union accounts.

Google can be a great resource…sometimes…

Two Gen Y points of pain that credit unions can help alleviate.

Proponent FCU's mobile strategy includes different text options to meet the needs of two important segments -- Gen Y and Internet banking users interested in receiving mobile alerts.

A majority of credit unions surveyed in Callahan's Technology Guide anticipate adopting mobile banking in the next two years. Inudustry partnerships among the major mobile banking providers and other credit union industry suppliers are making it easier and more affordable for credit unions to implement mobile banking.

Given the current state of the economy, maximizing your marketing efforts is more critical than ever. Leveraging "green" messaging can be an effective way to grab the attention of both potential and existing members.

Young adulthood is marked with some life-changing transitions, resulting in financial and emotional stress for both parents and youth. Understanding these transitions will help credit unions more effectively serve their younger members.

Is your lending program "fair" to students? With college costs growing at more than twice the rate of inflation, students are increasingly turning to cards as a source of funding for education.

More students are using credit cards to cover college-related expenses, according to a 2009 study from Sallie Mae.

Now is the time for credit unions to build relationships with young adults to ensure long-term growth and stability for the industry.

Travis Credit Union takes a comprehensive Web 2.0 approach in reaching younger members, including launching a contest through YouTube and establishing a presence on Facebook.

In the third installment of the CYouth Web Series, we explore the many pitfalls to avoid when using credit cards.

Credit unions are earning a great return while saving their members thousands of dollars over the life of a loan.

So Gen Y has a less than stellar record when it comes to financial literacy, but exactly how much do they know?

What should credit unions know about us in the current economic environment?

The Millennials (Gen Y) are here – all 83 million of them – and they have the purchasing power and influence to change the world. Will your credit union have what it takes to acquire them?

That question is one of the most famous examples of up-selling in American history. Today, credit union executives and marketing teams are striving to create the same up-sell message that will increase their service-per-member ratios. The fact of the matter is, credit unions are not really that good at up-selling when they are not face-to-face with the member. Until now...

The last week has been a tough one for the stock market. As the Dow continues to fall, individuals are feeling the pressure as their portfolios shrink, and many will be forced to adjust their spending habits.

Four credit union executives give their perspective on how they are making decisions in 2008 based on delivery channels, managing staff, and investments in the coming year.

A number of credit unions are fulfilling their mission of service and combating the declining rate of industry member growth by rapidly expanding in-school branching programs over the past few years.

Take a look at what should be included in your credit union marketing plan to attract and retain younger members.

To the average consumer, banks and credit unions appear to offer very similar messages. This article asks a very simple question: How can credit unions visibly differentiate themselves from competing financial institutions?

It’s the adult members of Gen Y that receive much of the youth-centric attention, but great opportunity lies in attracting potential members who are under the age of 18.

Credit unions explain why they've partnered with Zopa, a "social finance" company.

Emails that are triggered by in-market activities of the recipients are more effective than scheduled email campaigns.

Take the rapidly rising costs of college education, mix in a private student loan market that has grown 450% in the last seven years alone, add a mass exodus of traditional lenders because of restricted access to capital, and you've got a volatile recipe for turmoil in the student loan marketplace. 

It’s cost-effective, simple, and easy to access, yet most credit unions don’t fully utilize the most powerful tool that they have available to gain insight in to Gen Y.

A Gen Y individual provides their personal insight into this generation and offers advice to credit unions who are seeking to attract younger members.

Move over Baby Boomers. There are 79 million members of Generation Y heading at high speed toward financial services. That’s good news for credit unions!

Boomers and Gen Xers respond differently to marketing campaigns, but since these two generations make up the majority of credit union membership, it’s important to identify and capitalize on their differences.

With teen spending on the rise, financial institutions are moving fast to offer prepaid cards to this market. Putting the member’s interests first, credit union programs allow parents to monitor teen spending while promoting fiscal responsibility at a young age.

Benefits abound for those who employ members of Generation Y. Here are some steps for you to begin utilizing this vast resource.

Saying that we don’t want the youthful idealism and the technological skills characteristic of the current crop of potential new hires is obviously an attempt at humor. Right? RIGHT?!?!

As Baby Boomers age, so do their offspring. The target customer for financial services institutions and credit card companies is someone between the ages of 15 and 24 – the teenager.

A student-run credit union could not offer the high-tech products demanded by today's university students. A community credit union took it over, retained its identity and gave it the technology it needed.

Five credit union technology experts from across the country share what's working, what is not, what might and why they think so.

A growing array of corporations are using social media to speak with consumers. After getting in the game a year ago, how has Wells Fargo responded?

Despite excellent local penetration and a healthy economy, Citizens Equity First Credit Union (CEFCU) has identified three weaknesses about itself and is determined to improve them.

Partnering blogging, a technology that emphasizes conversation, and connection with people with a movement that wants and needs to connect with members could lead to great things.

How Oxford FCU is having success with its’ two-pronged strategy that is attracting younger members and driving up debit card usage.

A quick Callahan & Associates office poll uncovers interesting trends regarding not just what people use in their wallet, but why.

Read one Gen Yers reaction to a credit union planning session and how credit unions can use core strengths to reach a younger market.

Generation Y is increasingly socially conscious. As they mature, this large segment of the population will look to put their money where it matters. What can credit unions do to respond to this growing need for investments that help the community?

The responsibility of baby boomers to manage the finances for multiple family members is a prospect for credit union growth.

Inviting credit union members and non-members to apply for a “home loan” instead of a mortgage.

Rising education costs and lagging federal aid require students to turn to private loan programs to finance their education. These programs represent a great way for credit unions to grow their balance sheet and create lasting relationships.

Learn about the two models that credit unions like Navy and Eastman are using to reach this special market.

With projections of more than $10 billion in new student loans each year and 180 percent growth over the past 10 years, student lending is a market that no credit union should overlook.

Three reasons why initial fees and charges have become a smaller percentage of the principal amount.

Active online bill pay customers are 98 percent more profitable than the offline user. More online bill pay customers translates into increased profit for your credit union.

Enjoying a potential home team advantage, credit unions should consider becoming more active players in the college savings and lending game.

Credit unions are uniquely positioned to help members plan and save for a college education.

University-affiliated credit unions are delivering significant value to their members according to the Return Of the Member (ROM) score.

Whatcom Educational CU has a unique strategy that teaches youth about debit cards.

Find out one way in which Team One Credit Union serves 800 youth members.

Generation Y, the children of the baby boomers, represents one of the largest growth opportunities for the financial services sector.