Federal holidays in 2026

Friday, July 3, 2026: offices closed, banks open

Independence Day is Saturday, July 4, 2026. Federal offices observe it on Friday, July 3, under 5 U.S.C. § 6103(b)(1). Reserve Banks stay open that Friday. K.8 does not close the Banks on the Friday before a Saturday holiday.

On us-federal-opm, observed is 2026-07-03 and shift_rule is 5usc6103b1-saturday-to-friday. On us-fed-banking, observed is null and shift_rule is k8-saturday-banks-open. The other ten legal dates fall on a weekday, so both calendars close that same date and shift_rule is null.

Closed here means the OPM weekday for federal offices, and the K.8 holiday for Federal Reserve Banks and Branches. It does not say whether a private bank's branch is open. It is not an ACH cutoff and not a Fedwire operating-hours notice. To count a span that includes this Friday, use the calculator.

The eleven holidays

These rows are the 2026 result of the same holiday list the API serves. The page does not keep a second set of rules, and it does not fetch on load. Names follow 5 U.S.C. § 6103(a). Washington's Birthday is not renamed Presidents Day. Inauguration Day is not one of these eleven, and it is not a nationwide closing.

For the ten weekday legal dates, both calendars close on that date. Christmas Day is Friday, December 25, 2026, so both calendars close that Friday. This page does not give it a separate URL. Veterans Day is a Wednesday. Thanksgiving Day is a Thursday. Friday, November 27 is a business day on both, and it is not one of the eleven.

Try it

Set BIZDAY to this site's origin, with no path, then run either command. count is 11 on both calendars. The objects below are the Independence Day element of holidays, not the whole response. The live JSON also has calendar, year, the other ten holidays, excluded, sources, and disclaimer.

BIZDAY=http://209.38.202.154

curl -s "$BIZDAY/v1/holidays?year=2026"

{
  "name": "Independence Day",
  "actual": "2026-07-04",
  "observed": "2026-07-03",
  "actual_weekday": "Saturday",
  "observed_weekday": "Friday",
  "observed_shifted": true,
  "closes_weekday": true,
  "shift_rule": "5usc6103b1-saturday-to-friday"
}

curl -s "$BIZDAY/v1/holidays?year=2026&calendar=us-fed-banking"

{
  "name": "Independence Day",
  "actual": "2026-07-04",
  "observed": null,
  "actual_weekday": "Saturday",
  "observed_weekday": null,
  "observed_shifted": false,
  "closes_weekday": false,
  "shift_rule": "k8-saturday-banks-open"
}

check for that Friday is closed on federal offices and open on Reserve Banks. Samples on this page leave out sources and disclaimer. The live check JSON includes both, plus holidays and the neighboring business days.

curl -s "$BIZDAY/v1/business-days/check?date=2026-07-03"

{
  "calendar": "us-federal-opm",
  "date": "2026-07-03",
  "weekday": "Friday",
  "business_day": false
}

curl -s "$BIZDAY/v1/business-days/check?date=2026-07-03&calendar=us-fed-banking"

{
  "calendar": "us-fed-banking",
  "date": "2026-07-03",
  "weekday": "Friday",
  "business_day": true
}

Sources

• 5 U.S.C. § 6103. Eleven nationwide legal public holidays. A Saturday legal holiday is observed the Friday before for a Monday–Friday basic workweek.
• OPM Federal Holidays. Tables for 2021–2030 checked 2026-10-17. The 2026 office date for Independence Day is Friday, July 3.
• Federal Reserve K.8, checked 2026-10-17. The Reserve Bank weekday closings for 2026 do not include July 3.

Page checked 2026-10-18 against holidaysForYear(2026) for both calendars. Not legal, payroll, or financial advice.