As the United States gears up to celebrate a truly historic milestone—the 250th anniversary of the Declaration of Independence—investors are asking a simple question: Is the stock market open on July 3?

Because the federal holiday falls on a Saturday this year, the financial sector, government offices, and postal services are adjusting their schedules. The result is a bit of a mixed bag for anyone trying to trade, bank, or ship packages over the long weekend.

Stock and Bond Market Closures

For investors and traders, the answer is straightforward. The U.S. financial markets—including the New York Stock Exchange, Nasdaq, and bond markets—will be closed on Friday, July 3, the day before the Fourth of July holiday. Regular trading is set to resume the following Monday.

If you're into crypto, though, nothing changes. Cryptocurrency markets will continue their 24/7 trading schedule completely unaffected by the federal holiday.

Banks and Mail Delivery

Banking and mail schedules vary by day. Saturday marks the 250th anniversary of when the Declaration of Independence was adopted, meaning federal institutions observe the holiday either ahead of time or on the day itself.

So, commercial banks will close on Saturday, but most remain open on Friday. ATMs and digital banking apps will be fully operational throughout the weekend. Meanwhile, the U.S. Postal Service will deliver mail normally on Friday, but post offices will close on Saturday. Both FedEx Corp. (FDX) and United Parcel Service Inc. (UPS) will operate with modified hours on Friday and remain largely closed on Saturday.

Government and Retail Impact

Nonessential federal and state government offices—including DMV locations—will close on both Friday and Saturday.

On the retail front, most major stores and restaurants will stay open to capitalize on holiday shopping deals. But there are notable exceptions: Costco Wholesale Corp. (COST) will be closed on the Fourth of July, and Trader Joe's and Walmart Inc. (WMT) subsidiary Sam's Club will have modified hours.

Upcoming Holiday Schedule

After this weekend, trading will proceed as normal until early September. The remaining scheduled 2026 holiday closures for U.S. markets include:

• Labor Day on Monday, Sept. 7.
• Thanksgiving on Thursday, Nov. 26.
• Christmas Day on Friday, Dec. 25.

Disclaimer: This content was partially produced with the help of AI tools and was reviewed and published by MarketDash editors.

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