2026 U.S. Federal and Bank Holidays

Federal Holiday Calendar: 2026–2030

Choose a year to see its federal holiday calendar. The Date and Day columns show when the holiday falls. When a holiday falls on a weekend, the Observed column shows the weekday most federal employees get off. A dash means the holiday falls on a weekday.

The Observed column follows the standard schedule for most federal employees. Other work schedules may have a different day off. These tables are based on the U.S. Office of Personnel Management (OPM) holiday schedules. The calendar file uses the days off shown by OPM, including December 31, 2027, for New Year's Day 2028.

How Federal Holidays and Observed Dates Work

Some federal holidays fall on the same date each year. Others fall on a certain weekday, such as the third Monday in January. When a holiday falls on a weekend, most federal employees get a nearby weekday off. The sections below explain how these dates work.

When do all of the federal holidays occur?

Here are the 11 federal holidays, listed in calendar order:

What happens when federal holidays occur on weekends?

For most federal employees, a holiday that falls on Saturday is treated as a holiday on the Friday before. If it falls on Sunday, the following Monday is treated as a holiday. These rules affect federal holiday pay and leave.

In 2026, Independence Day is the only annual federal holiday that falls on a weekend. It falls on Saturday, July 4, so most federal employees get Friday, July 3, off. Three holidays fall on weekends in 2027:

• Juneteenth falls on Saturday, June 19. The day off is Friday, June 18.
• Independence Day falls on Sunday, July 4. The day off is Monday, July 5.
• Christmas Day falls on Saturday, December 25. The day off is Friday, December 24.

Federal employees with different work schedules may have a different day off. See OPM's fact sheet for details.

Federal Holidays vs. Bank Holidays

Federal offices, Federal Reserve Banks, and the stock market use different holiday calendars. They may have different hours on the same day.

How does the Federal Reserve handle weekend holidays?

Federal Reserve Banks follow the Federal Reserve holiday calendar, while federal employees follow OPM's calendar. When a holiday falls on Saturday, Federal Reserve Banks stay open the Friday before. They were open on Friday, July 3, 2026, even though most federal employees had the day off. When a holiday falls on Sunday, Federal Reserve Banks close the following Monday.

For U.S. bank holidays in 2026, check your own bank's hours too. Individual branches may follow a different schedule.

Is the stock market closed on federal holidays?

The New York Stock Exchange (NYSE) follows its own holiday calendar. It closes on Good Friday, which is not a federal holiday. It was also closed on Friday, July 3, 2026, even though Federal Reserve Banks were open.

Are Banks Open on These Holidays?

The Federal Reserve calendar is a useful guide, but it does not guarantee that every bank branch is open or closed. Check your bank's hours before visiting.

Other Holidays and Their Impact

Some holidays affect only certain places or workers. They are separate from the 11 annual federal holidays.

What is Inauguration Day?

Inauguration Day comes every four years and is a paid holiday for eligible federal employees in the Washington, D.C., area. The next one is January 20, 2029, which falls on a Saturday. Only eligible employees scheduled to work that day get the holiday; there is no weekday off in its place. OPM explains who qualifies.

Which states add their own holidays?

States can add holidays to their own calendars. For example, Texas state offices close on Christmas Eve, while Connecticut lists Good Friday as a state holiday. Texas also lists Good Friday as an optional holiday. The federal name for the second Monday in October remains Columbus Day, though some states also mark Indigenous Peoples' Day.

State holidays do not require every business or bank to close. Election Day and Mother's Day do not require businesses nationwide to close, either. Check local office and bank hours before making plans.

Are Christmas Eve and December 26 federal holidays?

No. Neither is one of the 11 annual federal holidays. In 2025, an executive order gave most federal employees December 24 and 26 off. As of September 23, 2026, no similar order has been announced for 2026. OPM's 2026 calendar lists Christmas Day on Friday, December 25. Check for updates closer to Christmas.

What Federal Holidays Mean for Private Employers

Federal holidays can affect staffing, pay, and time off. A clear policy helps employees know what to expect.

Do private employers have to give federal holidays off?

No. The Fair Labor Standards Act (FLSA) does not require private employers to give holidays off, with or without pay. You can choose which holidays your business recognizes. Check state rules and any contracts or agreements that apply to your team.

Do employees get holiday pay or overtime?

Federal law does not require extra pay just because an employee works on a holiday. Hours worked that day still count toward overtime. Under the FLSA, covered, nonexempt employees generally earn overtime after working more than 40 hours in a workweek. Paid holiday hours when an employee does not work do not count as hours worked for that calculation. State rules or agreements may add other requirements. For more detail, read our guide.

Understanding your business is key to juggling holidays

Start with the days your business needs to stay open. Decide which holidays will be paid days off, who qualifies, and how you will pay employees who work. Put the rules in writing so managers and employees can plan ahead.

Ask for time off requests early when several employees may want the same day. Keep a record of approved days off and hours worked so you can plan coverage and prepare payroll. A P can help you manage requests and balances in one place.

Federal Holiday FAQs