Second, as children who were told they could become anything they wanted and received trophies just for participating in an after-school activity, millennials became a generation of dreamers. Add that to the fact that landing a dream job became unrealistic when they entered the working world, and many decided to strike out on their own as entrepreneurs. They might work full-time jobs to take advantage of the salary and benefits until their own business venture takes off. And their employers shouldn't expect much advance warning of their departure – out of fear of being fired or creating tension in the workplace, these entrepreneurial millennials won't utter a word to their boss or coworkers until a few weeks before they jump ship.

Finally, many millennials are going through life believing something better is waiting for them around the corner. Just look at the way they date! The popular practice of swiping through endless possibilities of partners on dating apps and lining up dates with multiple people weekly has made it difficult for them to commit to relationships. And when they go on social media, they see exaggerations (or at best, highlight reels) of their acquaintances' lives, making them feel less satisfied with what they have and eager to catch up. This has given them wandering eyes – not only in their relationships but in their jobs.

I'm certainly not saying all millennials feel this way. I have friends my age who have happily stayed with the same company for a decade, and it's unfair to say all members of any group share the same point of view or life experiences. Still, engaging millennials in the workplace is a challenge that needs to be addressed. Here are a few suggestions for attracting – and keeping – talented millennial employees at your credit union:

Look for red flags during the hiring process. If a millennial's resume shows they left each of their previous employers after a year, chances are they'll do the same to you even if they insist otherwise. Think of it this way … would you be comfortable starting a relationship with someone who cheated on each of their previous partners?

Emphasize the meaning in the work your credit union does by giving examples of how it has transformed members' lives. Working at a credit union may not have been a potential millennial employee's dream career when they were growing up, but it could become so once they understand the positive impact their job has on communities.

Offer stability. As job hunters, many millennials are still suffering from PTSD-like feelings as a result of the recession, which set the bar pretty low in terms of what's out there. A good salary and benefits, as well as on-the-job bonuses or rewards for exceptional work, can go a long way. Even though the economy has recovered, many millennials still feel those things are hard to find.

Get a weekly happy hour on the calendar. Millennials want to feel connected to their colleagues, or at least have the option to do so. Offer opportunities for socializing, but make them low-pressure. No one wants to feel forced to become BFFs with a coworker if the only thing they have in common is their job.

While many stereotypes of millennial workers are negative, it's important to not characterize all of them as slackers with a fear of commitment. Understanding their unique life paths and how they differ from other generations is the first step in developing a positive working relationship that can, hopefully, last for years to come.