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How interest is calculated is vital to how much your savings can grow. Compound interest comes into play when interest is added to the principal and when the interest that has been added also earns interest. You'll see your account balance grow quicker with accounts that pay interest more frequently. The Annual Percentage Yield, or APY, is the effective annual rate of return once the effect of compounding interest is factored in.

Disclaimer: The accuracy of these calculators and applicability to your circumstances is not guaranteed. Calculators are not a guarantee of credit. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

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