Pretty sure the economy in your country are fucked up because banks want to gives 21% APY.
Usually banks only offer around 3%-4%, even worst they only offer 1% if the inflation rate is low. Although I didn't find the information, I think 0.6% monthly is make sense, investment in most of countries usually offer such amount.
Even though your banks can gives high interest, better to invest in global assets.
I understand the fact that investments in global assets are much more reliable and better, but there is no choice, since access to external markets is closed due to sanctions. Another dangerous moment is that entrepreneurs decided to stop their business for some time and simply threw money into bank deposits. The reason is simple - high profitability. Their activities did not give such interest. So it turns out that collapse is sweeping across the country. Even the top management is already sounding the alarm. It seems that everything is going well and even wonderfully, but this is just an illusion that will soon subside and all citizens will face the harsh reality.