You should check out Nexo. It's a financial platform built on blockchain for loans and credit. They give about 8% APY if I remember correctly. Aside from nexo, Binance (Lending & Staking products) also has its own initiative with rates ranging from 5-15% which is higher than the rate offered by traditional banks and financial institutions.  Although I haven't invested personally in Binance lending products but I know people who have and its a good one. However, while investing in Defi platforms for the APY rates, don't forget that the market might go down or up.