Is Ally Banking Safe? Why is interest so high

I was recently told by a coworker that Ally Bank has a 3% interest rate... Why is it so high? Is it safe? My current bank is .325% interest rate which is a lot lower... I feel a little uneasy as to why they have such a high rate... Someone have any advice?

I have around 45k saved in my twenties living at home and probably going to put it in a savings to curb inflation eating me alive... Not investing yet as I am looking to buy a car/home soon... But I will start here in January because its a good time to I think...