Bank One offered a 20-year certificate of deposit (CD) at 4.13% interest compounded quarterly. On the same day on the Internet, First Bank offered a 20-year CD at 4.12% compounded monthly. Find the APY for each CD. Which bank paid a higher APY? The APY for the CD at Bank One is %. (Type an integer or decimal rounded to three decimal places as needed.) The APY for the CD at First Bank is %. (Type an integer or decimal rounded to three decimal places as needed.) Which bank paid a higher APY? O A. Bank One OB. First Bank