First America Bank$$s monthly payment charge on a $48-$month, $$22,000$ loan is $$618\mathrm{.}26.$ The U$.$S$.$ Bank$$s monthly payment fee is $$627\mathrm{.}70$ for the same loan amount. What would be the APR for an auto loan for each of these banks? $($Use Table $14\mathrm{.}1.)$Note: Round your final answers to the nearest hundredth percent.