Kellie has $12,000 to invest. A local bank offers a 30-month CD with an APR of 3.8% compounded monthly. What is the APY? (Round your answer to three decimal places.) % Mariah has $15,000 to invest. A local bank offers a 24-month CD with an APR of 3.8% compounded monthly. What is the APY? (Round your answer to three decimal places.) % Compare the APY results. Which of the following statements is true? O Kellie's CD has a higher APY because her money is invested for a longer period of time than Mariah's. O Mariah's CD has a higher APY because the amount of money she is investing is greater than Kellie's. O Their CDs have the same APY because they have the same number of compoundings per year and the same APR. The amount invested and the time period of the investment don't matter because they aren't part of the APY formula