apply early or improve gpa+resume?

im currently looking into sophomore-targeted sa internships for next summer, between my sophomore and junior year. im currently taking a summer course that will end in a week. im likely getting an A in it, which would boost my gpa from a 3.62 to a 3.67. i currently dont have an internship for the summer, but i might get an internship at a small startup for july and august. i go to a target school and im interested in the investment banking track. do you think i should apply now or wait until july when my gpa might go up and i have new work experience to put down? thanks.

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