Making the extra payments is very smart because at that interest rate, you may be upside down on your loan.
Before you refinance, make sure your loan amount is less than the value of the car. So that the LTV isn't a factor when you go to refinance.
You may want to wait a little while longer, unless your score has significantly improved since febuary when you obtained the loan.
When you do attempt to refinance, go with a CU so that they will consider your short payment history on the current loan.
