Which exchange actually has decent staking rates and doesn’t lock your funds forever?

Trading

Have about $8k in ETH and some other coins just sitting there doing nothing. Want to stake but the options are confusing as hell.

What I'm looking for:

• Competitive APY (not gonna stake for 2% when I can get 6% elsewhere).
• Flexible terms (don't want my ETH locked for 2 years).
• Supports multiple coins (ETH, SOL, AVAX, DOT at minimum).
• Actually trustworthy (not gonna disappear with my money).
• Ideally regulated somewhere.

What I've seen so far:

Coinbase – 3-4% on ETH which seems low? But at least they're legit and regulated.

Binance – higher rates (5-6%) but after all their regulatory issues I'm hesitant to lock funds there for months.

Kraken – around 4-6% depending on coin, seems solid but haven't tried their staking yet.

Lido – decentralized option, heard good things but feels more complicated than just staking on an exchange.

Main concerns:

After Celsius, BlockFi, and all those other "earn" platforms that went under, I'm paranoid about locking funds. How do you know an exchange won't freeze withdrawals or go bankrupt while your coins are staked?

Also some platforms have like 30-90 day lockup periods which sucks if you need liquidity fast.

What do you guys use for staking? And are the rates even worth it vs just holding?