Future Value of Annuity. Kirk can take his $$960$ income tax refund and invest it in a $36-$month certificate of deposit at $9\%,$ compounded monthly, or he can use the money to purchase a home entertainment system and put $$30$ 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.$)$