What's Open on New Year's Day
| Date | Federal offices | Banks | Post offices | Stock market |
|---|---|---|---|---|
| Fri, Jan 1, 2027New Year's Day | Closed | Closed | Closedexpected; 2027 schedule not yet published | Closed |
| Fri, Dec 31, 2027New Year's Day 2028 (observed) | Closed | Open | Open | Open |
Banks: most follow the Federal Reserve holiday schedule, but hours vary by bank and branch. Post offices: rules from the U.S. Postal Service; local hours vary. Stock market: the major US exchanges' published holiday calendar. Check with your bank, post office or agency.
The details
New Year's Day 2027 is a Friday. Federal offices, banks, post offices and the stock market are all closed, and most people get a three-day weekend.
New Year's Day 2028 falls on a Saturday. Federal employees get Friday, December 31, 2027 off, but the Federal Reserve Banks stay open and the stock market trades normally that day, because the exchanges do not observe a Saturday New Year's Day.
Sources: U.S. Office of Personnel Management, Federal Holidays; Federal Reserve Board, Holidays Observed by the Federal Reserve System; New York Stock Exchange, holidays and trading hours; U.S. Postal Service newsroom, holidays. Checked October 17, 2026. Unofficial; hours vary by location.
Questions and answers
Are banks open on New Year's Eve 2027?
Generally yes. Friday, December 31, 2027 is a federal day off, but the Federal Reserve Banks are open, so most banks open too.
Is the stock market open on December 31, 2027?
Yes. The exchanges observe no holiday for New Year's Day 2028, because it falls on a Saturday.