Reuben opened a savings account with a bank and deposited $5,000. Maisie opened a savings account with a credit union and deposited $5,000. If neither Reuben nor Maisie deposit or withdraw money from their accounts, and neither is charged any fees, who will MOST LIKELY have more money in their savings account after five years have passed?
Group of answer choices

Reuben, because banks are non-profit institutions and deposits are exempt from taxes

Maisie, because credit unions are non-profit institutions and deposits are exempt from taxes

Maisie, because credit unions usually offer higher interest rates on savings accounts than banks

Reuben, because banks usually offer higher interest rates on savings accounts than credit unions