Bought a 2016 Mazda 3 last year. I didn't plan to buy a new car so soon but the car I had wasn't going to pass inspection so instead of dropping a lot of money into an old car I just bought a new one. Unfortunately it meant I was stuck with a 5.5% interest rate through Mazda Capital Services. Today I searched around for refinancing and got approved for 2.49% through PSECU. Not only drops my payments $20 a month, but saves me quite a bit in interest.
Congrats! Cut your rate by more than half. Its funny, the last time I bought a new car (2004 
) I got a loan at 5.39%-back then that was a great rate!