F = Pe^rt , which assumes continuous compounding, says that the Future value (F) of an amount (P) invested today at an annual rate (r), expressed as a decimal for the time (t), in years is given by the function. Thus if you invested $100 at the annual rate of 5 1/2% for 6 years and 3 months you would get back (at the end of the time), F = $100e^{(0.055)(6.25)} = $100e^(0.3438) = $100(1.4102) = $141.02. Here is a CD offer more in line with current rates.You have $2500 to invest. The bank will pay you 0.25% per annum. If you place your money for 39 months in this CD, what do you expect to get back at the end of the time?