A $28,0000 deposit at an APR of 5.4% with quarterly compounding for 34 years =
FV = PV x [1 + R]^N
FV = 28,000 x [1 + 0.054/4]^(34*4)
FV = 28,000 x [1 + 0.0135]^136
FV = 28,000 x 6.194844536.......
FV = $173,455.65
