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2028 Federal Holidays and Bank Holidays

There are 11 federal holidays in 2028. Federal employees get 10 days off in 2028 under OPM's rule, and the Federal Reserve Banks close on 9 days. They differ because a Saturday holiday gives federal employees the Friday off while the banks stay open: Friday, November 10, 2028 (Veterans Day).

Today11 holidays by law: 10 federal days off in 2028, banks closed on 9.

Every federal holiday in 2028

Federal holidays 2028, observed dates and bank closures
HolidayDateFederal day offBanks
New Year's DayJanuary 1Saturdayin 1 yearFridayOpen. A Saturday holiday closes nothing; the Friday before is a banking day.
Birthday of Martin Luther King, Jr.Martin Luther King Jr. DayThird Monday in JanuaryMondayin 1 yearMondayClosed
Washington's BirthdayPresidents' DayThird Monday in FebruaryMondayin 1 yearMondayClosed
Memorial DayLast Monday in MayMondayin 1 yearMondayClosed
Juneteenth National Independence DayJuneteenthJune 19Mondayin 1 yearMondayClosed
Independence DayFourth of JulyJuly 4Tuesdayin 1 yearTuesdayClosed
Labor DayFirst Monday in SeptemberMondayin 1 yearMondayClosed
Columbus DayIndigenous Peoples' Day in some statesSecond Monday in OctoberMondayin 1 yearMondayClosed
Veterans DayNovember 11Saturdayin 2 yearsFridayOpen. A Saturday holiday closes nothing; the Friday before is a banking day.
Thanksgiving DayThanksgivingFourth Thursday in NovemberThursdayin 2 yearsThursdayClosed
Christmas DayChristmasDecember 25Mondayin 2 yearsMondayClosed

Sources: OPM federal holidays and Federal Reserve holiday schedule. Checked monthly. The dates are computed from 5 U.S.C. 6103 and match both schedules. An executive order can add a one-off day off for federal employees; the monthly check watches OPM for that.

2028 calendar

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  • Bank holiday or federal day off

January

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February

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March

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April

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May

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June

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July

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August

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September

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October

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November

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December

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Computed schedules for planning. Your employer's payroll calendar is the final word.

Questions

How many federal holidays are there in 2028?

11 by law. Federal employees are off 10 days in 2028, counting observed days, and the banks close on 9 days.

Are banks closed when a holiday falls on a Saturday?

No. The Federal Reserve Banks stay open on the Friday before a Saturday holiday, so direct deposits settle and paydays on that Friday do not move. When a holiday falls on a Sunday, the banks close on Monday.

Does a bank holiday delay my paycheck?

Most employers pay the business day before a bank holiday, so the money arrives early rather than late. DFAS and the Social Security Administration always pay early.

More calendars

Federal holidays 2026Federal holidays 2027Federal holidays 2028