Looking for advice on lending protocols like AAVE and Compound.

I'm hoping someone can give advice/feedback/thoughts on using a lending protocol as a place to stash some cash for awhile.

We have around $100k usdc sitting on polygon, leftover from a recent project. If I took it off chain we could get around 5% interest with our bricks and mortar bank, but for all the most obvious reasons we really don't want to do that!

I've been looking for safe, stable, battle tested places to put it, where we could get a reasonable return for awhile. I've found AAVE and Compound in my search.

Has anyone used these services and can give some feedback on how safe and secure they are? Or any other lending protocols I should look at?

This money is important to us, so we don't want to risk it trading on the market (we will need to draw down on it soon). The benefit of our fiat bank is that they offer insurance against fraud. Being on chain doesn't do that so we are wary.

Help?