US markets are closed on Friday, July 3, 2026, because the country is observing the Independence Day holiday early, as per NYSE holiday calendar, Nasdaq holiday schedule. Independence Day is officially celebrated on July 4 every year, but it will be celebrated on a Saturday this year.

NYSE, Nasdaq and most US banks are closed on July 3 as Independence Day is observed early.(Photo by Michael M. Santiago / GETTY IMAGES NORTH AMERICA / Getty Images via AFP) (Getty Images via AFP)

When a US federal holiday falls on a Saturday, it is usually observed on the previous Friday. That is why markets are closed on July 3 instead of July 4. The New York Stock Exchange (NYSE), Nasdaq and the US bond market are all closed on Friday, July 3.

The Securities Industry and Financial Markets Association (SIFMA) also recommended that the US bond market close early at 2 p.m. Eastern Time on Thursday, July 2, before remaining closed on Friday.

Investors will also not see live movement in the S&P 500, Nasdaq Composite or Dow Jones Industrial Average while markets remain closed.

Cryptocurrency markets are different because they operate 24 hours a day, seven days a week, so Bitcoin and other digital assets continue trading during the holiday, as per MarketWatch.

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Although the Declaration of Independence was adopted in 1776, large public celebrations became more common after the War of 1812, as per USA Today, citing the Library of Congress. Major public projects, including ceremonies for the Erie Canal and the Baltimore and Ohio Railroad, were planned around Independence Day celebrations during the 1800s. The US Congress officially made Independence Day a federal holiday on June 28, 1870.

Federal Reserve banks and branches will also be closed for the observed holiday. Most commercial banks follow the Federal Reserve's holiday schedule.

Customers should check with their local bank branch because some locations may have different hours or special schedules.

Bank ATMs will continue to work normally. Customers can still withdraw cash, deposit money and check balances. Bank mobile apps and online banking services will also remain available for everyday banking tasks.

The 2026 federal banking holidays are:

Therefore, all major US stock exchanges and bond markets are closed on Friday, July 3, 2026, because Independence Day falls on a Saturday, while cryptocurrency markets continue trading without interruption.