Derek can deposit $$227\mathrm{.}00$ per month for the next $10$ years into an account at Bank A$.$ The first deposit will be made next month. Bank A pays $13\mathrm{.}00\%$ and compounds interest monthly. Derek can deposit $$2,488\mathrm{.}00$ per year for the next $10$ years into an account at Bank B$.$ The first deposit will be made next year. Bank B compounds interest annually. What rate must Bank B pay for Derek to have the same amount in both accounts after $10$ years?