I am not an investment guru or a savvy financial guy but one of the reasons that Nepalese banks give so high interest rate compared to US banks is, inflation. The higher the rate of inflation in a country, the higher the interest rate. The inflation is very low in the US, hence the lower rate on return.

Personally, I would put the money in a fixed deposit or high yielding savings account in "A" class financial institutions rather than some sahakari. lob le laab, laab le bilaap hola