US Federal Holidays 2027: What's Open and Closed

01Introduction

There are 11 federal holidays in the US in 2027. Three of them fall on a weekend and move to a weekday, and New Year's Day 2028 falls on a Saturday, so it's observed on Friday, December 31, 2027. That gives federal workers 12 weekday holidays in 2027.

But a federal holiday doesn't close everything. The stock market stays open on Columbus Day and Veterans Day and closes on Good Friday, which isn't a federal holiday. When a holiday falls on a Saturday, banks and the post office stay open on the Friday that federal offices take off. This guide lists every 2027 federal holiday and shows what's open on each one.

Coming up in 2026: Thanksgiving is Thursday, November 26, and banks, the stock market and post offices are closed. On Black Friday, November 27, banks and post offices are open and the stock market closes at 1:00 p.m. ET. On Christmas Eve, Thursday, December 24, the stock market also closes at 1:00 p.m. ET, and Christmas Day, Friday, December 25, is a full holiday (NYSE Group). SIFMA recommends a 2:00 p.m. ET bond market close on Thursday, December 31, 2026 (SIFMA).

02Federal holidays 2027

The rule for weekends comes from the US Office of Personnel Management: a holiday on a Saturday is observed on the Friday before, and one on a Sunday on the Monday after (OPM).

Columbus Day is the federal name. Many states and cities observe the same Monday as Indigenous Peoples' Day, and the closures in this guide apply either way.

03What's open and closed on each 2027 holiday

The bold cells are where a calendar breaks from the federal one. Those are the days that catch people and code out. For holidays that fall on a Saturday, the Federal Reserve and USPS close on the Saturday itself, so the post office is also closed on Saturday, June 19 and Saturday, December 25, 2027, and Saturday, January 1, 2028.

Banks

The Federal Reserve closes on the 11 federal holidays, with one difference from federal offices: when a holiday falls on a Saturday, Federal Reserve Banks stay open on the Friday before. When it falls on a Sunday, they close the Monday after (Federal Reserve Financial Services).

In 2027, three holidays fall on a Saturday (Juneteenth, Christmas and New Year's Day 2028). So the Fed is open on June 18, December 24 and December 31, even though federal offices are closed. Banks generally follow the Federal Reserve's schedule, but each bank sets its own hours, so check yours before those dates.

The stock market

The NYSE has its own list of 10 holidays for 2027 (NYSE Group, December 23, 2025). It includes Good Friday (March 26), which isn't a federal holiday. It leaves out Columbus Day and Veterans Day, so the market is open on those days.

The NYSE's only early close in 2027 is the day after Thanksgiving, Friday, November 26, at 1:00 p.m. ET. There's no Christmas Eve early close in 2027, because the market is closed that day for Christmas. It also stays open on Friday, December 31, 2027. The exchange doesn't close for New Year's Day 2028 because the holiday falls on a Saturday.

The bond market follows a separate schedule. SIFMA publishes its own recommendations for full and early closes, and they usually line up with bank holidays, so the bond market is typically closed on Columbus Day and Veterans Day. SIFMA's full 2027 list is on its holiday schedule page.

The post office

The US Postal Service observes the same 11 holidays as the federal government. When a holiday falls on a Saturday, post offices close on the Saturday and deliver mail as usual on the Friday before. On Independence Day 2026, a Saturday, USPS announced that "all Post Office locations will be closed" on July 4 (USPS), and mail ran as usual on Friday, July 3 (WSLS). When a holiday falls on a Sunday, post offices close on the Monday after. UPS and FedEx are private companies and set their own schedules.

04Is Black Friday a holiday?

No. Black Friday isn't a federal holiday. Banks and post offices are open. The stock market opens but closes early, at 1:00 p.m. ET. That's Friday, November 27, 2026 this year, and Friday, November 26, 2027 next year.

05Is Good Friday a holiday?

Not a federal one. On Good Friday (March 26, 2027), banks, government offices and the post office are open, but the stock market is closed for the whole day.

06How observed holidays work

When a federal holiday falls on a weekend, federal offices observe it on the nearest weekday:

• Saturday: observed on the Friday before
• Sunday: observed on the Monday after

This can push a holiday into a different year. New Year's Day 2028 is a Saturday, so federal offices observe it on Friday, December 31, 2027. That's why 2027 has 12 weekday federal holidays from 11 holidays, and 249 working days in the US. Our guide to working days in 2027 compares that with other countries.

The rule isn't the same everywhere. For Saturday holidays, the Federal Reserve and USPS stay open on the Friday and the NYSE usually closes, except for New Year's Day.

07For developers: which calendar does your code use?

Most date bugs come from using one holiday list for everything. Payment dates should follow the banking calendar, trading features the exchange calendar, and delivery estimates the carrier's calendar. Each answers "is this a business day?" differently.

The Public Holidays API checks a date against a country's calendar or a stock exchange's. We asked it about Friday, December 31, 2027 on the NYSE calendar:

curl "https://api.eu.apyhub.com/callable-labs/public-holidays-country-stock-market/v1/holidays/check?market=XNYS&date=2027-12-31" \
  -H "apy-token: $APY_TOKEN"

{
  "market": "XNYS",
  "date": "2027-12-31",
  "weekday": "friday",
  "is_holiday": false,
  "is_business_day": true,
  "holidays": []
}

For the US federal calendar, the same date returns New Year's Day (observed). On Veterans Day 2026, it went the other way: the US calendar said is_business_day: false, and the NYSE calendar said true.

To count business days or find a deadline, the Business Days API skips weekends and holidays for a country or market, and lists the days it skipped. Our guide on calculating business days in code covers the edge cases.

Both APIs are available through ApyHub MCP, so Claude, ChatGPT, Cursor and other AI assistants can call them directly. Ask "is the stock market open on December 31, 2027?" and the assistant checks the calendar with a tested endpoint, which gives the same answer every time and uses fewer tokens than having it work out the rules itself.

Check a date with the Public Holidays API →

08Conclusion

The US has 11 federal holidays in 2027 and 12 weekday days off, because New Year's Day 2028 is observed on December 31, 2027. Banks, the stock market and the post office close on most of them, with a few exceptions:

• The stock market is open on Columbus Day and Veterans Day.
• The stock market is closed on Good Friday.
• The Federal Reserve and the post office are open on the Fridays before Saturday holidays.

If your code depends on dates, choose the calendar first and count the days second.

Start free on ApyHub, no card required →

09FAQ

How many federal holidays are there in 2027?

There are 11. Because three fall on a weekend and New Year's Day 2028 is observed on December 31, 2027, federal workers get 12 weekday holidays in 2027.

When is Juneteenth observed in 2027?

Friday, June 18. June 19 falls on a Saturday.

Is Columbus Day (Indigenous Peoples' Day) a bank holiday in 2027?

Yes. The Federal Reserve closes on Monday, October 11, 2027, and banks generally follow it. The stock market stays open.

Is Veterans Day a bank holiday in 2027?

Yes. Banks and the post office close on Thursday, November 11, 2027. The stock market is open.

Are banks open on Christmas Eve 2027?

The Federal Reserve is open on Friday, December 24, 2027, because Christmas falls on a Saturday, and the post office is open too. Federal offices and the stock market are closed. Check with your bank, as some close anyway.

Is the stock market open on Black Friday?

Yes, until 1:00 p.m. ET. That's Friday, November 27, 2026, and Friday, November 26, 2027.

Is the stock market open on December 31, 2027?

Yes. The NYSE doesn't close for New Year's Day 2028, because the holiday falls on a Saturday.

How can I test the holidays API?

Use the "Try it" panel on the Public Holidays API page, or save the request in Voiden or Postman and run it for the dates you care about. You can also ask an AI assistant connected to ApyHub MCP to check a date for you.

10About ApyHub

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11Sources

• US Office of Personnel Management, Federal holidays: weekend observance rule
• Federal Reserve Financial Services, Holiday schedules: 2027 dates and the Saturday and Sunday rules
• NYSE Group, 2026, 2027 and 2028 holiday and early closings calendar (December 23, 2025)
• USPS, USPS will be closed in observance of Independence Day (June 26, 2026)
• WSLS, What's open and closed on Friday, July 3 (July 3, 2026)
• SIFMA, Holiday schedule
• ApyHub, Public Holidays API: calendar checks run November 11, 2026