Your Current Bank Is Paying 6

Your current bank is paying 6.25% simple interest rate. You can move your savings account to Harris Bank that pays 6.25% compounded annually or to First Chicago bank paying 6% compounded semi-annually. To maximize your return you would choose:

A) your current bank
B) Harris Bank
C) First Chicago bank
D) you are indifferent, because the effective interest rate for all three banks is the same