Help 20 ​

Not totally sure about this, NSS...but here is my  best shot....

APY  = (1 + r/n)^n - 1

APY for monthly compounding =  (1 + .055/12)^12  - 1  ≈  .05640  ≈  5.640%

APY  for quarterly compoundng   = ( 1 + .055/4)^4  - 1  ≈  .05614 ≈ 5.614%

[5.640 - 5.614 ] ≈  .026%