2025 Market hours
You can invest your HSA funds when the market is open. Regular market trading hours are weekdays from 9:30 a.m. to 4 p.m. (ET), except for stock market holidays.
2025 Market holidays
No stock trading can occur on market holidays, either regular or after-hours.
Note: If a holiday falls on a weekend, the market may close on the preceding Friday or the following Monday.
Holiday | 2025 |
New Year’s Day | Wednesday, January 1 |
Remembrance of Jimmy Carter | Thursday, January 9 |
Martin Luther King, Jr. Day | Monday, January 20 |
Washington's Birthday | Monday, February 17 |
Good Friday | Friday, April 18 |
Memorial Day | Monday, May 26 |
Juneteenth National Independence Day | Thursday, June 19 |
Independence Day | Friday, July 4* |
Labor Day | Monday, September 1 |
Thanksgiving Day | Thursday, November 27** |
Christmas Day | Thursday, December 25*** |
*Markets will close early at 1:00 p.m. on Thursday, July 3, 2025.
**Markets will close early at 1:00 p.m. on Friday, November 28, 2025.
***Markets will close early at 1:00 p.m. on Wednesday, December 24, 2025.
2025 Bank holidays
When the banks are closed, bank services such as ACH transfers, wiring money, and check deposits may not be processed until the next business day.
Holiday | 2025 |
New Year’s Day | Wednesday, January 1 |
Martin Luther King, Jr. Day | Monday, January 20 |
Washington's Birthday | Monday, February 17 |
Memorial Day | Monday, May 26 |
Juneteenth National Independence Day | Thursday, June 19 |
Independence Day | Friday, July 4 |
Labor Day | Monday, September 1 |
Indigenous Peoples Day | Monday, October 13 |
Veterans Day | Tuesday, November 11 |
Thanksgiving Day | Thursday, November 27 |
Christmas Day | Thursday, December 25 |