Member Car Loan offering to Refinance

I currently have 45 payments left financed at 3.24% the offer is to extend me out to 54 months(which the letter said is negotiable) at 2.89%. Also no payments for 3 months and add in the gift card which obviously doesn't mean much. If my simple math is correct their offer comes out to paying almost a couple grand extra in the long run? ... But cheaper monthly and that no paying for three months is somewhat of an added perk i guess

I guess that leads me to ask now, would I be able to refinance with another institution for my same terms at a lower rate, or for some other beneficial scenario ?

FWIW My truck in question is a 2012

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would I be able to refinance with another institution for my same terms at a lower rate, or for some other beneficial scenario ?

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Yes, Capital One or other lenders can do refinance/loan at better rate, but like me and other poster have stated, even if you go at the same term but lower rate, your actually not going to gain anything (as when you refinance, the %/interest fees are front loaded so you actually paying lower apr/interest fees now than you were at beginning year of your loan), plus your not going to save but maybe a 1-1.3%, not worth it to pull your credit again and do the paperwork. {granted, seems like your mind is made up}