You deposit $3000 in an account that pays 7% interest compounded semiannually. after 4 years, the interest rate is increased to 7.28% compounded quarterly. what will be the value of the account after 8 years?

The multiplier for the first 4 years is
.. m1 = (1 +.07/2)^(2*4) ≈ 1.316809

The multiplier for the last 4 years is
.. m2 = (1 +.0728/4)^(4*4) ≈ 1.334534

So the value at the end of 8 years will be
.. $3000*m1*m2 ≈ $5,271.98

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