First America Bank$$s monthly payment charge on a $48-$month, $$21,000$ loan is $$548\mathrm{.}26.$ The U$.$S$.$ Bank$$s monthly payment fee is $$557\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.