Should I Trade In After 1 Year?

Carmax just offered me $42K for my Premium RWD which is what I paid a year ago. I can upgrade to Premium AWD for $100 more a month (60 months 0.99%). Currently sitting at 48/60 months 3.49%. I could also do the 72 month option for 0.99% and come in lower with incremental interest being immaterial.