What's open and closed on MLK Day and Inauguration Day 2025?

 

Monday's Unusual Coincidence: MLK Day and Inauguration Day Fall on the Same Date

This year, Martin Luther King Jr. Day, a federal holiday, coincides with Inauguration Day on Jan. 20, an overlap that may lead to questions about business and service availability on that day.

While the two events rarely align, the timing is explained by their respective schedules: Inauguration Day is fixed on Jan. 20 by the Constitution’s 20th Amendment, and Martin Luther King Jr. Day occurs annually on the third Monday of January.

Here’s a guide to what will be open or closed on this unique Monday:

Mail and Post Office Services

As a federal holiday, Martin Luther King Jr. Day means U.S. Post Office locations will close for retail transactions, and regular mail delivery will pause. However, Priority Mail Express deliveries will still occur on Jan. 20. Normal operations resume on Jan. 21.

Banking Services

Most banks will be closed in observance of the holiday, as it is recognized by the Federal Reserve System. However, ATMs will remain operational for withdrawals and deposits.

Stock Market Operations

Major U.S. stock exchanges, including the New York Stock Exchange and Nasdaq, will be closed on Jan. 20. Bond markets will also shut down. All markets will reopen on Jan. 21 with regular business hours.

Retail and Grocery Stores

• Costco: Open on Jan. 20, as Martin Luther King Jr. Day is not among its seven observed holidays.
• Target: Stores will operate with normal hours, though shoppers should verify local hours using the store locator on Target’s website.
• Grocery Stores: Most grocery chains, including Publix and Kroger, will remain open during their regular hours.

Fast-Food and Coffee Chains

• McDonald's: Locations will be open, but hours may vary. Check the McDonald’s store locator for details.
• Chick-fil-A: Restaurants will operate, with hours varying by location. Use their store locator for specifics.
• Starbucks: Hours may differ on holidays. Customers are advised to check their local Starbucks store hours online.

Whether you're running errands or planning to dine out, most businesses and services will accommodate your needs, though it’s always best to confirm hours in advance.