Future Value of Annuity. Kirk can take his $570 income tax refund and invest it in a 36-month certificate of deposit at 9%, compounded monthly, or he can use the money to purchase a home entertainment system and put $16 a month in a bank savings account that will pay him 9% annual interest. Which choice will give him more money at the end of three years? After depositing his income tax refund, at the end of three years Kirk will have $ (Use your financial calculator. Round to the nearest cent.)