Step 1 :In the first year, the investment earns \(\frac{0.039}{1}(\$100,000)\) in interest, so the investment is worth \(\$100,000 +\frac{0.039}{1}(\$100,000) = \left(1 + \frac{0.039}{1}\right)(\$100,000)\).
Step 2 :Similarly, the value of the investment is multiplied by \(1 + \frac{0.039}{1}\) each year, so after 7 years, the investment is worth \[\left(1 + \frac{0.039}{1}\right)^{7}(\$100,000)\].
Step 3 :Calculating the above expression gives the future value of the investment, rounded to the nearest dollar, as \[\boxed{\$128,008}\].