TL;DR: There are 11 federal holidays in 2027. Three fall on weekends: Juneteenth (Saturday), Independence Day (Sunday), and Christmas (Saturday). Federal employees get observed days off, but banks follow the Federal Reserve schedule — which differs for Saturday holidays. Five Monday holidays create three-day weekends.
Contents
- Quick-answer table
- Complete 2027 federal holiday list
- Weekend observance rules
- Holiday-by-holiday details
- 2027 long weekends
- Banks and the Fed in 2027
- 2027 vs 2026: what changes
- State holidays in 2027
- 2027 holiday travel peaks
- FAQ
- How we verified this
Quick-answer table
| Holiday | 2027 Date | Weekday | Observed (Federal) |
|---|---|---|---|
| New Year’s Day | January 1 | Friday | Friday, Jan 1 |
| Martin Luther King Jr. Day | January 18 | Monday | Monday, Jan 18 |
| Presidents Day | February 15 | Monday | Monday, Feb 15 |
| Memorial Day | May 31 | Monday | Monday, May 31 |
| Juneteenth | June 19 | Saturday | Friday, Jun 18 |
| Independence Day | July 4 | Sunday | Monday, Jul 5 |
| Labor Day | September 6 | Monday | Monday, Sep 6 |
| Columbus Day | October 11 | Monday | Monday, Oct 11 |
| Veterans Day | November 11 | Thursday | Thursday, Nov 11 |
| Thanksgiving | November 25 | Thursday | Thursday, Nov 25 |
| Christmas | December 25 | Saturday | Friday, Dec 24 |
Complete 2027 federal holiday list
The 11 federal holidays are established by law (5 U.S.C. § 6103). See the OPM federal holiday calendar for the official list. In 2027:
January
- New Year’s Day: Friday, January 1 — The year starts with a holiday. Banks, USPS, and federal offices closed.
January (MLK)
- Martin Luther King Jr. Day: Monday, January 18 — Third Monday in January. Federal holiday honoring Dr. King. For more, see our MLK Day guide (coming soon).
February
- Presidents Day: Monday, February 15 — Third Monday in February. Officially “Washington’s Birthday” in federal law.
May
- Memorial Day: Monday, May 31 — Last Monday in May. Honors fallen military personnel.
June
- Juneteenth: Saturday, June 19 — Commemorates the end of slavery in the US. Federal holiday since 2021. In 2027, falls on Saturday (see weekend rules below).
July
- Independence Day: Sunday, July 4 — In 2027, falls on Sunday. Federal observed day is Monday, July 5.
September
- Labor Day: Monday, September 6 — First Monday in September.
October
- Columbus Day: Monday, October 11 — Second Monday in October. The Federal Reserve observes Columbus Day (K.8), so banks are closed, as are federal offices.
November
- Veterans Day: Thursday, November 11 — Honors all US veterans. See our Veterans Day 2026 guide for what’s open/closed.
- Thanksgiving: Thursday, November 25 — Fourth Thursday in November. See our Thanksgiving 2026 guide.
December
- Christmas: Saturday, December 25 — In 2027, falls on Saturday. Federal observed day is Friday, December 24.
Weekend observance rules
This is the most confusing part of federal holidays. Federal employees and banks follow different rules for weekend holidays.
Federal employees (OPM rules)
- Holiday on Saturday → Observed on Friday (day before)
- Holiday on Sunday → Observed on Monday (day after)
Federal Reserve / Banks (K.8 rules)
- Holiday on Saturday → Fed is closed Saturday. Banks are closed Saturday. No Friday observance.
- Holiday on Sunday → Observed on Monday (same as federal)
What this means for 2027
Juneteenth (Saturday, June 19, 2027):
- Federal offices: Closed Friday, June 18 (observed)
- Banks: Open Friday, June 18. Closed Saturday, June 19 (most branches already closed Saturdays anyway)
- This is the key difference — don’t assume banks are closed on the Friday!
Independence Day (Sunday, July 4, 2027):
- Federal offices: Closed Monday, July 5 (observed)
- Banks: Closed Monday, July 5 (observed) — same as federal
Christmas (Saturday, December 25, 2027):
- Federal offices: Closed Friday, December 24 (observed)
- Banks: Open Friday, December 24. Closed Saturday, December 25.
- If you need banking on Christmas Eve 2027, banks are open!
Holiday-by-holiday details
New Year’s Day — Friday, January 1, 2027
The first day of 2027 is a Friday, giving a three-day weekend to start the year. Banks, USPS, and markets closed. Many people take Thursday, December 31, 2026 off to extend the break.
Martin Luther King Jr. Day — Monday, January 18, 2027
Third Monday in January. Federal holiday since 1986. Banks and USPS closed. Schools closed in most districts. This is a standalone post in our series — see MLK Day 2027 for full details (coming soon).
Presidents Day — Monday, February 15, 2027
Third Monday in February. Officially “Washington’s Birthday” under federal law, though commonly called Presidents Day. Banks closed. Many retailers hold sales.
Memorial Day — Monday, May 31, 2027
Last Monday in May. Honors US military personnel who died in service. Banks, USPS closed. The unofficial start of summer. Note: This is distinct from Veterans Day (November) which honors all veterans.
Juneteenth — Saturday, June 19, 2027
Federal holiday since 2021, commemorating June 19, 1865 — when enslaved people in Texas learned of emancipation. In 2027, falls on Saturday. Federal observed Friday, June 18. Banks open Friday (Fed closed Saturday).
Independence Day — Sunday, July 4, 2027
In 2027, July 4 is a Sunday. Federal and bank observed day: Monday, July 5. This creates a three-day weekend (July 3-5). Fireworks on Sunday the 4th as usual.
Labor Day — Monday, September 6, 2027
First Monday in September. Celebrates American workers. Banks closed. Three-day weekend.
Columbus Day — Monday, October 11, 2027
Second Monday in October. Federal offices closed. Per the Fed’s K.8 holiday schedule, banks are closed on Columbus Day. USPS is closed; UPS/FedEx operate normally.
Veterans Day — Thursday, November 11, 2027
Honors all US military veterans. Banks closed (Fed closed). USPS closed. NYSE open. In 2027, falls on Thursday — consider taking Friday, November 12 off for a four-day weekend.
Thanksgiving — Thursday, November 25, 2027
Fourth Thursday in November. Banks, USPS, markets closed. Black Friday (November 26) is not a federal holiday. See our Thanksgiving 2026 guide for the full breakdown.
Christmas — Saturday, December 25, 2027
In 2027, Christmas is Saturday. Federal observed Friday, December 24. Banks open Friday (Fed closed Saturday). This is good news if you need last-minute banking on Christmas Eve!
2027 long weekends
Five three-day weekends (Monday holidays):
- January 16-18 (MLK Day)
- February 13-15 (Presidents Day)
- May 29-31 (Memorial Day)
- September 4-6 (Labor Day)
- October 9-11 (Columbus Day)
Potential four-day weekends (take one extra day off):
- January 1-3 (New Year’s Friday + weekend; take Thursday Dec 31 for 4 days)
- July 3-5 (Independence Day observed Monday; take Friday Jul 2 for 4 days)
- November 11-14 (Veterans Day Thursday; take Friday Nov 12 for 4 days)
- November 25-28 (Thanksgiving Thursday; take Friday Nov 26 for 4 days — though many employers already give this)
- December 24-27 (Christmas observed Friday; weekend follows for 3 days; take Monday Dec 27 for 4 days)
Banks and the Fed in 2027
Wondering “is tomorrow a federal holiday”? Check the table below — if tomorrow’s date appears here, federal offices and most banks will be closed. For a same-day answer, see our Are Banks Open Today guide.
For banking purposes, the key dates are (per the Federal Reserve K.8 schedule):
| Date | Banks | Why |
|---|---|---|
| Fri Jan 1 | Closed | New Year’s Day (Fed closed) |
| Mon Jan 18 | Closed | MLK Day |
| Mon Feb 15 | Closed | Presidents Day |
| Mon May 31 | Closed | Memorial Day |
| Fri Jun 18 | Open | Juneteenth observed (federal only; Fed closed Sat Jun 19) |
| Sat Jun 19 | Closed | Juneteenth (Fed closed; branches usually closed Sat anyway) |
| Mon Jul 5 | Closed | Independence Day observed |
| Mon Sep 6 | Closed | Labor Day |
| Mon Oct 11 | Closed | Columbus Day |
| Thu Nov 11 | Closed | Veterans Day |
| Thu Nov 25 | Closed | Thanksgiving |
| Fri Dec 24 | Open | Christmas observed (federal only; Fed closed Sat Dec 25) |
| Sat Dec 25 | Closed | Christmas (Fed closed) |
The two surprising “open” days: Friday, June 18 and Friday, December 24. Banks are open because the Fed doesn’t observe Saturday holidays on Friday. Federal offices are closed those days, which causes confusion.
For more on how bank holidays work, see are banks open today.
Planning your 2027 banking
If you have time-sensitive financial transactions in 2027:
- Wire transfers: Cannot be initiated on Fed holidays. Plan around the 11 closure dates.
- Direct deposit: If your payday falls on a holiday, check with your employer about early processing.
- Bill payments: Schedule payments to avoid due dates on holidays.
- The “open Fridays”: June 18 and December 24 are good days for in-branch banking if you need it — many people assume banks are closed.
2027 vs 2026: what changes
| Aspect | 2026 | 2027 |
|---|---|---|
| New Year’s Day | Thursday | Friday |
| Juneteenth weekday | Friday | Saturday |
| Independence Day | Saturday | Sunday |
| Christmas | Friday | Saturday |
| Monday holidays | 5 | 5 |
| Weekend holidays | 1 (Jul 4) | 3 (Juneteenth, Jul 4, Christmas) |
2027 has more weekend holidays than 2026, which means more observed-day complexity. The three weekend holidays (Juneteenth, Independence Day, Christmas) each have different observance rules.
Year-over-year planning
If you’re comparing 2026 and 2027 for business planning:
- 2027 has the same number of Monday holidays (5), so the same number of three-day weekends
- But 2027 has two additional “observed” Fridays for federal employees (Jun 18, Dec 24)
- Banks are open those Fridays, creating a mismatch that confuses many people
State holidays in 2027
Federal holidays are the baseline, but states add their own:
Widely observed state holidays:
- Patriots’ Day (3rd Monday in April): Massachusetts, Maine — April 19, 2027
- Cesar Chavez Day (March 31): California, Texas, Arizona — March 31, 2027 (Wednesday)
- Day after Thanksgiving (November 26): Several states for state employees
State-specific 2027 notes:
- If you live in Massachusetts, Patriots’ Day (April 19) means state offices and some schools close, but federal offices and banks remain open
- Texas observes several partial staffing holidays
- Check your state’s official holiday calendar — it may differ from the federal list
For most people, the federal list is what matters for banks, USPS, and markets. State holidays primarily affect state government offices and (sometimes) schools.
2027 holiday travel peaks
The busiest travel periods around 2027 holidays:
- Thanksgiving (Nov 25): Wednesday Nov 24 outbound, Sunday Nov 28 return
- Christmas/New Year (Dec 25-Jan 1): Dec 23-24 outbound, Jan 2-3 return
- Memorial Day (May 31): Friday May 28 outbound, Monday May 31 return
- Labor Day (Sep 6): Friday Sep 3 outbound, Monday Sep 6 return
Holiday pay note: “How much is holiday pay?” depends on your employer — there is no federal law requiring private employers to pay extra on holidays. Federal employees receive their regular pay for federal holidays. Many private employers offer time-and-a-half, but policies vary; check with your employer or HR department. 5. Independence Day (Jul 5 observed): Friday Jul 2 outbound, Monday Jul 5 return
Book early for Thanksgiving and Christmas — these are the two peak periods. For the Monday holidays, the Friday before is the key travel day.
International business in 2027
US federal holidays don’t align with other countries’ holidays. Key mismatches in 2027:
- US Thanksgiving (Nov 25): Normal workday in Europe, Asia, and most of the world
- US Independence Day (Jul 5 observed): Normal workday internationally
- Chinese New Year (Feb 6, 2027): Not a US holiday, but affects supply chains
- Easter (Mar 28, 2027): Not a US federal holiday, but observed in many countries
If you do business internationally, note that the US has relatively few public holidays compared to many countries. Plan for reduced US availability on the 11 federal holidays, but expect international partners to be working.
For scheduling across time zones on holidays, our time zone converter can help you find overlapping business hours. And if you’re planning meetings around the holidays, our meeting planner accounts for different countries’ schedules.
Payroll and HR considerations for 2027
Employers should note:
- Holiday pay: Federal law doesn’t require private employers to provide paid holidays, but many do. Check your company’s policy.
- The “open Fridays”: June 18 and December 24 are regular workdays for private employers (not federal holidays). Don’t assume they’re days off.
- Overtime: Holidays don’t change overtime calculations under the FLSA — overtime is based on 40 hours in a workweek, regardless of holidays.
- Remote workers: If you have employees in different states, be aware of state-specific holidays that may affect them.
Many employers offer “floating holidays” that employees can use for religious or cultural observances not on the federal calendar. In 2027, consider how the weekend holidays (Juneteenth, Independence Day, Christmas) affect your team’s time-off planning. Some employees may want the observed Friday off even though it’s not a federal holiday for private employers — a flexible policy helps.
Clear communication about holiday schedules prevents confusion. Publish your company’s 2027 holiday calendar early, noting which days are paid holidays, which are regular workdays, and how the “observed” days work for your organization. This is especially important for the two tricky Fridays (June 18 and December 24) when federal offices are closed but private businesses are typically open. When in doubt, check with HR or your manager well before the holiday arrives to avoid any surprises or miscommunication about time off and holiday pay policies in 2027.
A well-planned holiday calendar also helps with project deadlines. If you have deliverables due around the holidays, build in buffer time for the closures. The week between Christmas and New Year’s is particularly slow for many businesses, even though only Christmas Day and New Year’s Day are federal holidays.
FAQ
How many federal holidays are there in 2027? There are 11 federal holidays in 2027, from New Year’s Day (January 1) through Christmas (December 25).
What are the federal holidays in 2027? New Year’s Day (Jan 1), MLK Day (Jan 18), Presidents Day (Feb 15), Memorial Day (May 31), Juneteenth (Jun 19), Independence Day (Jul 4), Labor Day (Sep 6), Columbus Day (Oct 11), Veterans Day (Nov 11), Thanksgiving (Nov 25), Christmas (Dec 25).
Is Juneteenth a federal holiday in 2027? Yes. Juneteenth (June 19) has been a federal holiday since 2021. In 2027 it falls on a Saturday, so federal offices observe it on Friday, June 18.
What happens when a federal holiday falls on a weekend in 2027? For federal employees: Saturday holidays are observed on Friday, Sunday holidays on Monday. But the Federal Reserve does NOT observe Saturday holidays on Friday — banks follow the Fed schedule.
Are banks closed on all federal holidays in 2027? Banks are closed when the Federal Reserve is closed. The Fed observes all 11 federal holidays. Note: for Saturday holidays (Juneteenth, Christmas 2027), the Fed is closed Saturday, not Friday — so banks are open on the Friday.
Is Christmas 2027 observed on Friday or Saturday? Christmas 2027 is Saturday, December 25. Federal employees observe it on Friday, December 24. The Federal Reserve is closed Saturday, December 25 (banks open Friday).
How many three-day weekends are there in 2027? Five federal holidays fall on Mondays in 2027 (MLK, Presidents, Memorial, Labor, Columbus), creating five three-day weekends. Thanksgiving (Thursday) can create a four-day weekend if you take Friday off.
When is Thanksgiving 2027? Thanksgiving 2027 is Thursday, November 25 — the fourth Thursday in November.
Is the day after Thanksgiving a federal holiday in 2027? No. Black Friday (November 26, 2027) is not a federal holiday. Federal offices and banks are open.
Where can I find the official 2027 federal holiday list? The Office of Personnel Management (OPM) publishes the official federal holiday calendar at opm.gov.
How we verified this
Verified against official sources:
- All 11 holiday dates: Computed from calendar rules (nth weekday of month) and cross-checked against OPM federal holiday calendar
- Weekday calculations: Verified via Python
datetime(not from memory) - Weekend observance rules: OPM policy (federal employees) and Federal Reserve K.8 (banks)
- Juneteenth federal status: Established 2021, confirmed on OPM list
- Columbus Day bank status: Fed K.8 lists it as observed (banks closed)
General knowledge:
- Historical context (MLK Day established 1986, Juneteenth 2021)
- Retail and school closure patterns described qualitatively
What we removed:
- No specific economic impact figures
- No “X million travelers” statistics
Sources: OPM Federal Holidays, Federal Reserve K.8. All dates computed in code.