2028 has 11 US federal holidays, from New Year's Day on Saturday, January 1, to Christmas Day on Monday, December 25. Two fall on a weekend, so the day off moves to the nearest weekday: New Year's Day on Friday, December 31, 2027 and Veterans Day on Friday, November 10. Because New Year's Day is observed in 2027, 2028 has 10 federal days off. Banks are closed on 9 weekdays and the stock markets on 9.
Federal holidays are set by law (5 U.S.C. 6103). When one falls on a Saturday, federal employees get the Friday before off; when it falls on a Sunday, the Monday after.
The Federal Reserve Banks are closed on 9 weekdays in 2028. They close on every federal holiday and on the Monday after a Sunday holiday, but unlike federal offices they stay open on the Friday before a Saturday holiday. Commercial banks and credit unions set their own hours, but generally follow this schedule because payments through the Federal Reserve (ACH direct deposits and wire transfers) do not settle on these days.
The New York Stock Exchange and Nasdaq are closed on 9 weekdays in 2028 (expected; the exchange publishes official dates about three years ahead). Under NYSE Rule 7.2, a holiday on a Saturday closes the markets the Friday before and one on a Sunday the Monday after; New Year's Day on a Saturday is not made up, because December 31 ends the accounting year.
NYSE has not yet announced its 2028 early closes. Every year from 2020 to 2027 it closed at 1:00 PM ET on the day after Thanksgiving, and on July 3 and December 24 when they fell Monday to Thursday. Under that pattern, 2028's early closes would be:
— Day before Independence Day
— Day after Thanksgiving
Banks vs. stock markets
Banks close but stock markets stay open on Columbus Day (Monday, October 9). The markets close on Good Friday (Friday, April 14), which is not a federal or bank holiday.
Long weekends 2028
2028 has 8 three-day weekends for federal employees (a holiday or observed day off on a Monday or Friday).
Three-day weekend
Holiday
Sat Jan 15 – Mon 17
Martin Luther King Jr. Day
Sat Feb 19 – Mon 21
Presidents' Day
Sat May 27 – Mon 29
Memorial Day
Sat Jun 17 – Mon 19
Juneteenth
Sat Sep 2 – Mon 4
Labor Day
Sat Oct 7 – Mon 9
Columbus Day
Fri Nov 10 – Sun 12
Veterans Day (observed)
Sat Dec 23 – Mon 25
Christmas Day
Bridge days
Holidays on a Tuesday, Wednesday or Thursday can become a longer break with one or two days of leave:
Holiday
Date
Take off
Time off
Independence Day
Tuesday, July 4
Mon, Jul 3
4 days (Sat Jul 1 – Tue 4)
Thanksgiving Day
Thursday, November 23
Fri, Nov 24
4 days (Thu Nov 23 – Sun 26)
All 2028 holidays and observances by month
42 dates in 2028: federal holidays, observed days off, popular observances, Christian and Jewish holidays, Lunar New Year and daylight saving time. Jewish holidays begin at sundown the evening before.
No. In federal law (5 U.S.C. 6103) the holiday is Washington's Birthday; Presidents' Day is the popular name. It is observed on the third Monday of February, which always falls between February 15 and 21, so it never lands on Washington's actual birthday, February 22.
Is Columbus Day still a federal holiday?
Yes. Columbus Day, the second Monday of October, is one of the federal holidays in 2028. Many states and cities observe the day as Indigenous Peoples' Day instead, and whether state offices close varies by state.
Do private employers have to give federal holidays off?
No. Federal holidays govern federal government offices. The Fair Labor Standards Act does not require private employers to give time off or extra pay for holidays; holiday pay is set by company policy or agreement, and some states have their own rules.