Mom deposits 10,000 yuan in the bank for a period of 3 years, and the mother will get back the principal and after-tax interest from the bank for a total of 10,923.4 yuan. What is the annual interest rate for a three-year time deposit?
妈妈将10000元存进银行，定期3年，定期是妈妈从银行取回本金和税后利息共10923.4元．三年定期存款的年利率是百分之几？
<gadget id="calculator">10_923.4 - 10_000</gadget>
<output>923.4</output>

<gadget id="calculator">923.4 / 10_000 / 3</gadget>
<output>0.03078</output>

<result>0.03078</result>