I will suggest sticking with Binance even with the rates are the lowest across the board. Back in 2021-2022 when UST (Do Kwon's stablecoin) was getting a high 20% interest rate on anchor protocol, I decided to indulge myself. When the Luna collapse happened, UST depegged massively. So my advice is to just stick with reputable exchanges. Binance in particular have a SAFU fund and the rates are very reasonable as I think they can actually earn it enough to fulfill the interest payment.