Your "5% APY" option is a prepaid debit card that has a maximum balance of 5000 and the advertised rate is only good for a couple of months.

The lesser rates have similar terms - only earn 3.5% on balances up to 10k, you must make 12 purchases from your debit card per month. You must spend more than 1k from your debit card per month. You must log in to your account at least once or month. If you skip any of these things, your interest rate is 0.01%.

This is your suggestion for storing wealth safely?