If you had invested only 1 month´s worth of the emergency fund in the savings account at a 3.15% APR and the remainder in the 45-day CD at a 4.65% APR. What is the difference in the interest earned in 45 days when compared with question three? Question three was- Your fixed expenses are $1,500.45 a month. Your emergency fund has four month´s worth of coverage. You invest half in a savings account with an interest rate of 3.15% APR and the other half in a 45-day CD with an interest rate of 4.65% APR. How much is your total interest in 45 days? I got $28.85 for this.