Lost & looking for advice on our next financial move [Auto Loan]

SO and I are seeking advice on if we should keep saving up & pay auto loan off & be with out a emergency fund until we build this back up or just keep making the monthly payments.

First off, we realize now she didn't need a new car, however, you live and you lean.

She took out a loan for $25,916.25 with a 4.79% interest rate on 05/14. We have 38 payments left at $345.55 = $13,130.9. Other than that we have no other debt but we have a savings of $11,000 sitting in a credit union that makes 2.25% APY.

Advice on if we should pay off the 13K when we have enough? Also if we paid of the debt would we subtract 4.79%($628.97) of the total 13K due?

Appreciate any help.

Sidenote: The car is sadly only worth around 10K right now on KBB. Not sure this matters at all.