How to add 2 different interest rates to a balance [Excel 2021]

[MisterBishop]

Okay, I build a spreadsheet to deal with late fees added to a balance while being paid off. For the first 12 months the interest
is calculated at .00833%, then after that or 1 year, it will be added at .0075%. I figured I would just manually change the months
and have excel continue to add interest to the balance due over time. Below is an example of the spreadsheet for excel 2021.

Thank you in advance

MONTHS LATE	FEES & PENALTIES	TOTAL PROPERTY TAX	AMOUNT PAID	DUE/OWED
		$ -	$ -	$ -
		$ 914.17	$ 914.17	$ -
		$ 1,156.00	$ 1,156.00	$ -
		$ 2,958.75	$ 2,958.75	$ -
		$ 2,367.62	$ 2,367.62	$ -
		$ 1,175.93	$ 1,175.93	$ -
		$ 666.00	$ -	$ 666.00
		$ 682.31	$ -	$ 682.31