65% is actually high for a yearly interest but I've seen quite good projects that have almost the same rates. But the risk with that is you don't know if the same value will be made after a year or even half or a quarter of your stake.
What's better on staking is if you choose the flexible terms, you can get it anytime. The same with the banks, before it's hard to find those terms that are flexible but right now, I've been seeing offers that have flexible terms.
There are quite a few instances of single asset vaults offering great APY, such as Cake, Stella, BIFI, however, you should always take into account impermanent loss, market crashes, such as the one we're experiencing now, BIFI has lost over $300 in value in the past week. You'll need to be extremely patient, especially in periods of depression, while choosing the correct project is a strenuous procedure.
That's why I'm avoiding them, I've done that and got a serious impermanent loss and I don't like it. It is what I'm trying to avoid and even they're likely promising you with better gains.
I'm not buying that anymore, it's better to have a little gain with little risk than to acquire that impermanent loss and you'll never know if that's going to take a recovery or else, that impermanent loss will become permanent.