Federal holidays and bank context
2027 Federal Holidays and Bank Calendar
Short answer
OPM lists the 2027 federal employee holidays, and Federal Reserve K.8 lists the 2027 Federal Reserve holiday schedule with separate notes for Saturday and Sunday holidays.
2027 federal holiday and Federal Reserve table
This table combines two official-source views that readers often need together: OPM for federal employee holiday dates and Federal Reserve K.8 for Federal Reserve holiday operations. The two sources are related, but they are not identical for every holiday because Saturday and Sunday holiday rules can affect the Board of Governors and Federal Reserve Banks differently.
| Holiday | OPM 2027 federal employee date | Federal Reserve K.8 2027 note | Reader boundary |
|---|---|---|---|
| New Year’s Day | Friday, January 1 | January 1 | Confirm private employer and bank branch hours separately. |
| Birthday of Martin Luther King, Jr. | Monday, January 18 | January 18 | Federal holiday context does not decide every local service schedule. |
| Washington’s Birthday | Monday, February 15 | February 15 | Some institutions use different public names, but OPM uses the statutory name. |
| Memorial Day | Monday, May 31 | May 31 | Check time-sensitive banking, payroll, and delivery cutoffs directly. |
| Juneteenth National Independence Day | Friday, June 18 | K.8 lists June 19 with a Saturday footnote: Federal Reserve Banks are open June 18 while the Board is closed. | Do not assume every bank branch is closed on June 18. |
| Independence Day | Monday, July 5 | K.8 lists July 4 with a Sunday footnote: all Federal Reserve offices are closed July 5. | Confirm local business and service hours. |
| Labor Day | Monday, September 6 | September 6 | Private employers and schools may use separate calendars. |
| Columbus Day | Monday, October 11 | October 11 | Some state/local calendars use different naming or observance rules. |
| Veterans Day | Thursday, November 11 | November 11 | Check agency, branch, and local office announcements for exceptions. |
| Thanksgiving Day | Thursday, November 25 | November 25 | Holiday travel and service cutoffs may be announced separately. |
| Christmas Day | Friday, December 24 | K.8 lists December 25 with a Saturday footnote: Federal Reserve Banks are open December 24 while the Board is closed. | Do not treat the Board footnote as a universal bank-branch closure rule. |
How to use this calendar
- Use OPM for federal employee holiday dates and federal office planning context.
- Use Federal Reserve K.8 for Federal Reserve holiday context, especially when a holiday falls on a weekend.
- Do not use this page as a guarantee for a private bank, credit union, school, state/local office, employer, or local service provider.
- For payments, wires, payroll, delivery timing, or appointments, check the institution’s own cutoff and holiday notice.
Why the June and December notes matter
In 2027, Juneteenth and Christmas fall on Saturdays. OPM lists the preceding Friday as the observed date for most federal employees. Federal Reserve K.8 uses a more specific banking-system note: Federal Reserve Banks and Branches are open on the preceding Friday, while the Board of Governors is closed.
That distinction is exactly why Punilog avoids a simple “banks closed” label for those dates. A reader planning a branch visit, ACH cutoff, wire deadline, payroll file, or customer-service call should check the bank or service provider directly.
2027 holiday follow-up
First-quarter 2027 pages
The annual 2027 holiday page should connect directly to the early-year calendar, Washington's Birthday, and tax-cycle rollover pages.
Sources and verification
Last verified: June 18, 2026. Jurisdiction: United States federal. Correction path: see the Corrections Policy.
- OPM Federal Holidays – used for the 2027 federal employee holiday dates and in-lieu-of notes.
- Federal Reserve K.8 Holidays Observed – used for Federal Reserve holiday context and 2027 bank-operating boundaries.
This page is informational only. It does not provide tax, legal, financial, banking, employment, postal, or professional advice.