Is the stock market open or closed on 4th of July? See full holiday schedule

Is the stock market open on the 4th of July? Here’s a detailed look at the Independence Day 2025 market hours, early closures, and what other financial and delivery services are doing for the holiday.

Is the stock market open on July 4, 2025?

No, the U.S. stock market will be closed on Friday, July 4, 2025, in observance of Independence Day.

Both the New York Stock Exchange (NYSE) and Nasdaq will not operate on the 4th. This includes all regular trading activity. The U.S. bond markets will also be closed for the full day.

Will the markets close early on July 3, 2025?

Yes, both the stock and bond markets will close early on Thursday, July 3, 2025:

• NYSE & Nasdaq: Close at 1:00 p.m. ET
  
  
• Bond markets: Close at 2:00 p.m. ET
  
  

If you’re planning trades, be sure to adjust for these shortened hours.

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What are the remaining U.S. stock market holidays in 2025?

Here’s a quick rundown of all major U.S. market holidays for 2025:

Date	Holiday	Market Status
Jul 3 (Thu)	Independence Day (Observed)	Early close at 1 p.m.
Jul 4 (Fri)	Independence Day	Closed
Sep 1 (Mon)	Labor Day	Closed
Nov 27 (Thu)	Thanksgiving Day	Closed
Nov 28 (Fri)	Day after Thanksgiving	Early close at 1 p.m.
Dec 24 (Wed)	Christmas Eve	Early close at 1 p.m.
Dec 25 (Thu)	Christmas Day	Closed

Are banks open on the 4th of July?

No, most U.S. banks will be closed on July 4, 2025. Since the holiday is a recognized Federal Reserve Bank holiday, all major banking institutions—including Bank of America, Wells Fargo, Chase, and others—will not conduct business.

You can still use ATMs, online banking, and mobile apps for basic services.

Will the post office and mail delivery run on July 4?

USPS: The United States Postal Service will be closed, and there will be no regular mail delivery on Friday, July 4.

FedEx & UPS:
Here’s what to expect from private carriers:

• FedEx: Most services will not operate on July 4, except for FedEx Custom Critical.
  
  
• UPS: No regular delivery on July 4. Only UPS Express Critical services will be available.
  
  

If you’re expecting a package, plan accordingly before the holiday.

Are government offices open on Independence Day?

No, most federal and state government offices will be closed on July 4. This includes the following:

• DMV
  
  
• Courthouses
  
  
• Social Security offices
  
  
• Local government centers
  
  

Essential services like police and emergency medical care will still operate, but non-emergency departments will take the day off.

What about retail stores and restaurants?

Many retail stores and restaurants stay open on July 4, though hours may vary. Here's a general guide:

• Costco: Closed
  
  
• Sam’s Club: Open with reduced hours
  
  
• Walmart, Target, CVS, Walgreens: Open normal or reduced hours
  
  

Restaurants like McDonald’s, Starbucks, and Dunkin’ usually remain open, but it’s a good idea to check with your local location for exact hours.

What’s open and closed on July 4, 2025?

Service	Status on July 4
NYSE & Nasdaq	Closed
Bond Markets	Closed
Banks	Closed
USPS Mail Delivery	Closed
FedEx & UPS	No regular delivery
Government Offices	Closed
Major Retail Stores	Mostly open (check hours)
Restaurants	Open (hours may vary)

Whether you're watching fireworks or checking your portfolio, it's important to know that the U.S. stock market is closed on July 4, with an early close on July 3. Banks, government offices, and postal services follow suit, while retail and food outlets may remain open with modified hours.

Planning ahead can help you avoid any financial or delivery disruptions during this patriotic break.

FAQs:

Q1. Is the stock market open on July 4, 2025?
No, the U.S. stock market is closed for Independence Day.

Q2. Are banks and mail services open on July 4, 2025?
No, banks and regular mail services are closed that day.