Thoughts on chocolate finance?

Im a mid 20s fresh in the working scene after NS. Building my base from scratch and only have less than 5k liquid.

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Everytime my pay comes in, I will park in Singlife which gives me 3% PA. Any expenses I need to make, I will transfer small amts like 50-200$ into my bank account to spend.

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I am considering to shift from Singlife to Choc Finance as it gives 3.6% (1Nov) instead, any thoughts if its just for a short parking of money?

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In regards to investing, I do my own DCA with syfe on VOO and Nasdaq and some tech stocks in tiger so I am not worried about growing wealth, Just want to know if parking money for my salary accredition into Choc finance for the next 1year will be better than other options such as banks/ bonds/ T bills/ robos or whatever is in the market.

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I am looking to make choc finance my rainy weather parking spot as i am still building up from a very small amt of 2-3k and hoping to have 10k parked there by the next 1 year.