Why don't you try to invest your money and buy bitcoins and try to lend it in lending section that has 10% percent interest ever week or 1 percent per day.. or just hold your bitcoin and wait for the price increase and sell it when the price reach high above $500 before halving ends.. so that you can make lots of profit than investing it the banks low interest..
that's a good idea to open lending service, it's profitable if you can get "good collateral" .
holding is good idea too, for secure long term project.