1.542180 is more than 7,164,522,793,368,325,816,802,274,738,448,555. That's a pretty big number, are you sure it fits in your floating point type?
Based on your comments below, it looks like you want to be using 1.00542. You have several other copies of that information that are wrong too (MONTHLY_RATE
, FORMULA_RATE
).