808 Rate Index
Hawaii's weekly rate benchmark: the median of the best rate each Hawaii bank and credit union we track posts, every Friday.
Week ending Friday, Nov 6, 2026
Latest daily reading (Nov 11, 2026): 30-yr mortgage 6.881% APR · Savings 0.15% APY · CD 3.50% APY · New car, 3 yr 5.00% APR. The weekly value is set by the rates posted at the end of each Friday.
Week by week
30-year fixed mortgage (APR)
Savings (APY)
CD / certificate (APY)
New car loan, 3 years (APR)
Not enough weeks yet.
| Week ending | 30-yr mortgage | Savings | CD | New car, 3 yr |
|---|---|---|---|---|
| Nov 6, 2026 | 6.881% (10) | 0.15% (10) | 3.50% (8) | — |
| Oct 30, 2026 | 7.000% (11) | 0.15% (10) | 4.25% (8) | — |
| Oct 23, 2026 | 7.111% (11) | 0.15% (10) | 4.00% (8) | — |
| Oct 16, 2026 | 7.162% (11) | 0.15% (10) | 4.00% (8) | — |
| Oct 9, 2026 | 7.290% (11) | 0.15% (10) | 4.00% (8) | — |
Cite the index
Free to use in news stories, newsletters and videos, with the week it refers to.
How the index works
- 30-year fixed mortgage: the median of each lender's lowest posted APR for a 30-year fixed, conforming purchase loan (not VA, jumbo or ARM).
- Savings: the median of each lender's highest posted savings account APY.
- CD / certificate: the median of each lender's highest posted CD or certificate APY, any term.
- New car loan, 3 years: the median of each lender's lowest posted APR for a 3-year new-car loan.
Each lender counts once, with its single best posted rate, so a lender that lists many products doesn't outweigh one that lists few. With an even number of lenders, the index uses the less favourable of the two middle rates (the higher APR, or the lower APY) rather than averaging them, so every value is a rate a Hawaii lender actually posts. Rates come from the lenders' own pages, as listed on 808rates.com that day; rates without a lender date or not yet re-confirmed are left out. A value is published only when at least 3 lenders post a qualifying rate.
The index describes what Hawaii lenders post, usually their best-tier (“as low as”) rates with conditions such as membership, auto-pay or a minimum balance. It is not a rate anyone is guaranteed, and the set of lenders can change (the count is shown for every week). The weekly series starts Oct 9, 2026, the first week with our current lender list; daily values back to Sep 30, 2026are in the downloads. How we collect rates