I would looking into staking stablecoins as a starting point. Stablecoins are assets that are typically pegged to some other currency or commodity. For example USDC is a token which matches the US dollar 1:1. There are many reliable places in the crypto space which pay a high APY, much better than leaving that money in a bank account in my opinion.
It is true that staking those stable coins are much better than to just save them on the bank. But don't be misled about saying "high APY" because for stable coins, they're not really that much but they are realistic. But since you're going to deposit that to a centralized exchange or service for the staking, you still don't have the ownership of it while it's being staked so the risk is quite high if that's what you're going to do with your stable coins.