Today is your 21^stbirthday and your bank account balance is $25,000. Your account is earning 6.5% interest compounded semiannually. How much will be in the account on your 50^thbirthday?

Can you please help me this, I use the calculate and got this answer

1. if I used interest compounded semiannually = 4 . I got $162,183
2. if I used interest compounded semiannually = 12 . I got $163,832

I am so much confusing which one is correct . Can you please show me steps by steps. Thanks