OnPath Federal Credit Union's high-yield checking account is still an attractive option if you're looking to maximize your returns on cash, but there are a few key changes you need to know about! The biggest news is that the APY (Annual Percentage Yield), which is essentially the interest rate they pay, is decreasing to 6% starting December 1, 2025, from its previous 7%. This applies to balances up to $10,000. They also offer a 5% cash back checking account. Even with the APY change, earning 6% is still significantly higher than what most traditional banks offer. To snag that rate, remember you'll need to jump through a few hoops each month: log into online banking, enroll in e-statements, and make at least 15 debit card purchases of $10 or more. Plus, you can earn a $100 referral bonus for both you and a friend when they open an account and meet certain requirements, like making 10 debit transactions and setting up a direct deposit of $250 or more. You can earn up to $500 in referral bonuses per year so refer away! Joining the credit union is easy too, just make a small donation to their foundation.