SOFR
Secured Overnight Financing Rate
The number, plainly.
The benchmark overnight rate that replaced LIBOR, backed by actual Treasury repo trades.
Higher, lower, and what each means.
It is the reference rate under a huge share of corporate debt; where it sits moves real interest expense.
A reading is not a verdict. The Scan phase of Woodring’s Loop collects the signal; the Story phase asks what futures it is consistent with, and only the Stake phase turns that into a decision. This page does the first part.
The line in your 2027 plan.
Tests: the floating-rate line on any credit facility or term loan priced off SOFR plus a spread.
Write the assumption down, name the reading that would break it, and put a date on when it has to be argued again. That is the 18-Month Sunset applied to one line of a budget. The Last Annual Planshows what this season’s moves have already done to the common ones.
The last 36 readings.
Most recent first. Every value is as published by FRED at the time of the last refresh; FRED revises some series after the fact.
| Date | Value | Change |
|---|---|---|
| Nov 9, 2026 | 3.88% | −1 bp |
| Nov 6, 2026 | 3.89% | −3 bp |
| Nov 5, 2026 | 3.92% | −2 bp |
| Nov 4, 2026 | 3.94% | −3 bp |
| Nov 3, 2026 | 3.97% | +2 bp |
| Nov 2, 2026 | 3.95% | Unchanged |
| Oct 30, 2026 | 3.95% | +1 bp |
| Oct 29, 2026 | 3.94% | Unchanged |
| Oct 28, 2026 | 3.94% | −1 bp |
| Oct 27, 2026 | 3.95% | +2 bp |
| Oct 26, 2026 | 3.93% | +1 bp |
| Oct 23, 2026 | 3.92% | +2 bp |
| Oct 22, 2026 | 3.90% | +2 bp |
| Oct 21, 2026 | 3.88% | Unchanged |
| Oct 20, 2026 | 3.88% | +1 bp |
| Oct 19, 2026 | 3.87% | −1 bp |
| Oct 16, 2026 | 3.88% | −1 bp |
| Oct 15, 2026 | 3.89% | +1 bp |
| Oct 14, 2026 | 3.88% | −1 bp |
| Oct 13, 2026 | 3.89% | +2 bp |
| Oct 9, 2026 | 3.87% | Unchanged |
| Oct 8, 2026 | 3.87% | −1 bp |
| Oct 7, 2026 | 3.88% | −2 bp |
| Oct 6, 2026 | 3.90% | +1 bp |
| Oct 5, 2026 | 3.89% | +1 bp |
| Oct 2, 2026 | 3.88% | +1 bp |
| Oct 1, 2026 | 3.87% | −3 bp |
| Sep 30, 2026 | 3.90% | +2 bp |
| Sep 29, 2026 | 3.88% | −2 bp |
| Sep 28, 2026 | 3.90% | Unchanged |
| Sep 25, 2026 | 3.90% | +2 bp |
| Sep 24, 2026 | 3.88% | +1 bp |
| Sep 23, 2026 | 3.87% | Unchanged |
| Sep 22, 2026 | 3.87% | +2 bp |
| Sep 21, 2026 | 3.85% | Unchanged |
| Sep 18, 2026 | 3.85% | — |
When SOFR moves, know what it tests.
The monthly Signal Layer covers every series in the library: what moved, which planning assumptions it tests, and what a continuous-planning team does about it. One email a month. Unsubscribe in one click.
Where the number comes from.
Secured Overnight Financing Rate (SOFR), retrieved from FRED, Federal Reserve Bank of St. Louis: fred.stlouisfed.org/series/SOFR. Refreshed daily; 116 readings on file from May 26, 2026 to Nov 9, 2026.
Predictive Planning Institute, Signal Library: SOFR (SOFR). predictiveplanning.com/signals/SOFR. Data via FRED, Federal Reserve Bank of St. Louis. Value 3.88% as of Nov 9, 2026.