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I currently have a savings account with a credit union that has an APR of .10%. I observed how little interest is earned from my

I currently have a savings account with a credit union that has an APR of .10%. I observed how little interest is earned from my current savings account when compared to Discover's savings account which provides 4.35%. I've recognized how depositing the same amount a month into a different account is highly beneficial. what does this mean exponentially?

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