TLDR
- NYSE and Nasdaq will be fully closed Friday, July 3, 2026, in observance of Independence Day
- Bond markets close early at 2 p.m. Eastern on Thursday, July 2
- Crypto markets remain open 24/7 through the holiday weekend with no interruption
- Most bank branches stay open Friday, but close Saturday, July 4; ATMs remain available
- Full stock market trading resumes Monday, July 7
U.S. stock markets will be closed on Friday, July 3, 2026. Because Independence Day falls on a Saturday this year, the holiday is being observed the day before.
The New York Stock Exchange and Nasdaq will both be shut for the full day. Trading will return to normal on Monday, July 7.
Bond markets are closing even earlier. They will stop trading at 2 p.m. Eastern on Thursday, July 2, giving bond traders a longer break heading into the weekend.
This July 4 carries extra weight. It marks the 250th anniversary of the adoption of the Declaration of Independence.
Crypto Keeps Running
Cryptocurrency markets do not follow federal holiday schedules. They run around the clock, every day of the year.
Bitcoin, Ethereum, and other digital assets will trade as normal through the entire July 4 weekend. Crypto investors will not see any change in access or trading hours.
This is one of the key differences between crypto and traditional markets. There are no forced pauses, no early closures, and no holiday delays.
Banks, Post Offices, and Shipping
Banks will be closed on Saturday, July 4. Most follow the Federal Reserve holiday schedule. However, the majority of branches are expected to stay open on Friday, some with reduced hours.
ATMs and mobile banking apps will work normally throughout the weekend.
The U.S. Postal Service will deliver mail and keep post offices open on Friday. Saturday postal services will be closed for the holiday.
FedEx will run modified hours on Friday and be closed Saturday. Its Custom Critical shipments and logistics division will still operate Friday. UPS domestic services will run on Friday, but retail locations will be closed Saturday with limited exceptions.
Most government offices will be closed on both Friday and Saturday. Anyone needing in-person services should plan around this.
The Holiday Effect on Markets
Some investors track what is known as the “holiday effect.” This is a pattern where stock prices tend to drift upward before a long weekend and soften after.
The pattern is tied to lighter trading volume, as many traders and analysts step away for the break. With fewer participants, price moves can be more pronounced.
Retail stocks sometimes see movement ahead of holiday weekends as consumer spending picks up. Some traders use the quieter period to make small tactical moves.
On the retail side, Costco will be closed July 4. Trader Joe’s and Sam’s Club will have modified hours. Most other retailers and restaurants are expected to stay open.
The next full trading week begins Monday, July 7, 2026.
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