Final answer:
The APR for auto loans from First America Bank and U.S. Bank can be calculated using the loan amount, the monthly payment, and the loan term, but the exact answer requires Table 14, which is not provided.
Step-by-step explanation:
To determine the annual percentage rate (APR) for auto loans from First America Bank and U.S. Bank, one would use a financial calculator or formula that takes into account the loan amount, the monthly payment, and the number of payments (loan term). Since the monthly payment amounts and the loan terms are known, but the APR is not, the calculation would involve solving for the interest rate that satisfies the loan equation. However, without the appropriate Table 14 for APR calculations mentioned in the question, an exact answer cannot be provided as it typically contains factors used to calculate the APR based on those inputs. Typically, the APR could be found using an iterative process or a financial calculator's APR function. It's important that the monthly payment reflects all costs including interest and any additional fees that may be part of the loan's terms.