First America Banks monthly payment charge on a 48-month, $16,000 loan is $438.26. The U.S. Banks monthly payment fee is $447.70 for the same loan amount. What would be the APR for an auto loan for each of these banks? (Use Table 14.1.) Note: Round your final answers to the nearest hundredth percent.

First American Bank between ____% and ____%

US Bank between ____% and ____%