It's not all about the amount of APY, also which ecosystem you want to belong to and who you trust will improve over time too. Ethereum vs Celsius is a no brainer at the moment.
For me it's more about existing developer activity. In my bubble, 90% of the people are building with/on Ethereum or Polkadot. I usually build things together with others, not by my own, so having a large ecosystem is a requirement and so far, Ethereum is the only community that really fulfills that.