When should we trade in our car, that has a high yield interest rate?

Hello. I am an immigrant through the marriage with my husband and we recently had to buy a new car. We decided for a Honda CR-V and are very pleased. Even though I had a 740 credit score our bank USAA only gave us (me), because I had the better score a 6.9% interest rate. I got the good score through reading stuff on the web, but obviously never paid off any loan. So I just tried to handle credit cards (etc. how it is said on the web) to increase my score.
We see now what huge amount we pay every month in interest and heard, that you can trade it in after a time for another car and could qualify for a better interest rate because you have already shown good payment for say one or two years.

is this true? does that work? how does the rest of the loan will be paid?

We also had a 5000 dollar downpayment and thought since the CR-V had a good trade in value its a good choice.

Or, is there another way. Could I call my bank and ask to lower the interest rate now that we shown good payment?

6.9% is excellent. we know of friends who have 0, 1 or 2% and thought that was excellent.
I am from germany and there 4% is high.

What do some others think?
thanks for the advice...

Why would you trade in a good car that you still own money on? 6.9% is a good rate in the U.S. Keep the car and pay off the loan.

6.9% is an excellent rate. If you're satisfied with the car, why trade it in? Every year you make your payments, your credit score will go up.

Trading in the car is very expensive. You take a big depreciation hit when you buy a new car when the car goes from being "new" to being a "less than one year old used car". You have already taken this hit.

If you want to see if you can get a better rate, you can refinance without getting a new car.

Don't compare rates between countries. The rates will reflect the inflation rates of different currencies and different cost of doing business due to a different legal environment.

6.9% is a good rate reflecting your good gredit and down payment. Nobody is loaning money at 1%. If your friend has a 1% loan, it is because the dealer made a one time payment to the bank, called a "buy down", which is essentially pre-paid interest. Where did the dealer get the money to do this? They built it into the price of the car. Anybody who has a loan that's 0 to 4% paid a few thousnad more than the car is worth. This is a trick that dealers pull and your friend fell for it.