The $10 in the bank will give me a couple pennies a year. Even compounded, I won't see much benefit from that $10 in a couple decades.
My position is that in a couple decades, the feedback from the charity would be similar (or even greater) in benefit than the interest from the bank.
If it doesn't help you in the bank, then spending it on yourself will still benefit you more (or investing it in the market).
Also, in the bank you can always take out the $10, since you haven't actually spent it. You won't be able to do that with a charity.
-Drachasor