DCU 65-Month Auto Loan Rate Increased from 1.49% to 1.99% to 2.24% to 2.74% to 3.24% to 3.99% to 4.49% to 5.24%

Usually you can refinance after just 1 payment or statement from the bank in my experience as it takes time for the account to get setup and the state to issue the lienholder the title (and all the other stuff that has to happen at a dealership).