What time does the stock market open and close?

The regular session runs from 9:30 a.m. to 4:00 p.m. Eastern time. Nasdaq also runs pre-market trading from 4:00 a.m. and after-hours trading until 8:00 p.m., though many brokers offer shorter windows. On early-close days, such as the day after Thanksgiving, the regular session ends at 1:00 p.m.

Is the stock market open on Columbus Day and Veterans Day?

Yes. The NYSE and Nasdaq trade normally on Columbus Day (also observed as Indigenous Peoples’ Day) and Veterans Day. The bond market is different: SIFMA recommends a full close for US bond trading on both days, and many banks are closed.

What is the difference between the S&P 500, the Dow and the Nasdaq?

The S&P 500 tracks about 500 of the largest US companies, weighted by market value, and is the broadest of the three. The Dow Jones Industrial Average tracks just 30 large companies and is weighted by share price. The Nasdaq Composite covers nearly every stock listed on the Nasdaq exchange, which makes it heavily weighted toward technology.

The VIX, or Cboe Volatility Index, is the market’s estimate of how much the S&P 500 will move over the next 30 days, calculated from S&P 500 option prices. It is quoted as an annualized percentage, so dividing it by about 3.5 gives the approximate one-month move being priced in. Readings rise when investors are nervous, which is why it is called Wall Street’s fear gauge.

How does the 10-year Treasury yield affect mortgage rates?

Lenders price 30-year fixed mortgages off the 10-year Treasury yield plus a spread for their risk and costs, so mortgage rates tend to rise and fall with it. From 2000–2025, the average 30-year fixed rate ran about 1.9 percentage points above the 10-year yield, in a range of roughly 1.2 to 3.1 points.

Does the Fed rate affect my savings account and credit card?

Yes, but unevenly. Most credit card APRs are the prime rate plus a margin, and prime moves in step with the Fed, so card rates follow a Fed change within a billing cycle or two. Savings rates follow too, but banks pass changes on at their own pace — online high-yield accounts usually move much more than the national average savings rate does.

What does the 52-week range show?

The lowest and highest levels a market has traded at over the past year. The bar in the table marks where today’s level sits between the two, and clicking it opens a chart of the year’s daily closes with the dates of the low and the high. Sitting near either end tells you where a market has been, not where it goes next.

Why are stock changes measured from the previous close?

A market’s daily change compares the latest price with the closing price of the previous trading session. That is why an index can be up for the day even if it has slipped since the opening bell. On this page the dashed line on each chart marks that previous close.

Markets

Markets Today

Where US stocks, gold, oil, rates, Bitcoin and Ethereum stand right now, whether the market is open, what's coming up, and what today's numbers mean for your mortgage, savings and credit card.

US stock market: ClosedClosed for the weekend. Opens Mon, Nov 9 at 9:30 AM ET.

US stocks closed mixed on Friday: the S&P 500 rose 0.32%, the Nasdaq rose 1.09% and the Dow fell 0.46%. The 10-year Treasury yield rose to 4.86%. The VIX ended above 20 at 25.6, a sign of nervier trading.

S&P 500+0.32%

7,376.86

Dow Jones-0.46%

51,285.73

Nasdaq+1.09%

24,579.42

Bitcoin+0.09%

$75,740.36

Market	Level	Change
S&P 500 500 largest US companies	7,376.86	+0.32%
Dow Jones 30 major US blue chips	51,285.73	-0.46%
Nasdaq Tech-heavy US index	24,579.42	+1.09%
Russell 2000 US small-cap stocks	2,754.11	+0.89%
VIX Market's fear gauge	25.64	-9.01%
Gold Gold futures, per ounce	$4,074.90	-0.94%
Silver Silver futures, per ounce	$51.94	-0.83%
Crude oil (WTI) US oil futures, per barrel; drives gas prices	$90.83	+0.34%
10Y Treasury 10-year US govt bond yield	4.86%	+2 bps
US Dollar Index The dollar against six major currencies	102.28	-0.02%
Bitcoin Bitcoin price in USD	$75,740.36	+0.09%
Ethereum Ethereum price in USD	$2,232.14	+0.35%

Updated 12:53 PM ET · Data via Yahoo Finance, refreshed every 60 seconds (may be delayed up to 15 minutes). The dashed line on each chart is the previous close. Click or tap any chart or 52-week bar for a larger view with exact times. Not investment advice.

For your wallet

What today's numbers mean for your money

Market numbers only matter once they reach your own rates. Here is how today's figures flow into mortgages, savings, credit cards, car loans and your retirement account, using the official benchmarks those rates are priced from.

Mortgage rates follow the 10-year Treasury

30-year fixed, national average: 7.18%; Freddie Mac, week of Nov 5, 2026
10-year Treasury yield: 4.86%; Live

Lenders price 30-year fixed mortgages off the 10-year Treasury yield plus a spread for their risk and costs. That gap is about 2.3 points right now. From 2000–2025 it averaged about 1.9 points and ranged from 1.2 to 3.1, so mortgage quotes tend to rise and fall with the 10-year yield.

What it means for you: on a $400,000, 30-year loan at 7.18%, principal and interest come to about $2,710 a month. Every 0.25-point change in the rate moves that payment by roughly $68.

Savings and CD rates follow the Fed

Fed funds target range: 3.75%–4.00%; Federal Reserve, Nov 7, 2026
Savings account, national average: 0.38%; FDIC, October 2026 · 12-month CD 1.76%

The Federal Reserve sets a target range for the federal funds rate, and banks price deposits off it — but they pass it on unevenly. The national average savings account pays just 0.38%, while online high-yield accounts have tended to track the Fed far more closely.

What it means for you: $10,000 at the national average earns about $38 in a year. At 3.75%, the bottom of the Fed's current range, the same $10,000 would earn about $375. Where the cash sits matters more than the Fed's next move.

Credit card APRs are the prime rate plus a margin

Prime rate: 7.00%; Federal Reserve H.15, Oct 27, 2026
Average card APR: 22.36%; Federal Reserve, Q3 2026, accounts charged interest

Most cards carry a variable APR set as the prime rate plus a margin your issuer picks from your credit profile. Prime conventionally sits three points above the top of the Fed's target range, so when the Fed moves, card APRs usually follow within a billing cycle or two.

What it means for you: a 0.25-point Fed cut on a $5,000 balance saves only about $12.50 a year. At the average APR of 22.36%, carrying that same balance costs roughly $1,118 a year in interest — paying it down does far more than any rate cut.

Car loans: your credit moves the rate more than the Fed

Average new-car APR: 6.35%; Experian, Q2 2026
Average used-car APR: 11.19%; Experian, Q2 2026

Auto rates rise and fall with Treasury yields and the Fed, but the gap between borrowers is far wider than any rate cycle: new-car APRs run from about 4.41% for the strongest credit to 16.11% for the weakest, and used-car APRs from 6.29% to 21.62%.

What it means for you: on a $30,000, 60-month new-car loan, that range is about $558 versus $731 a month — $10,394 more over the life of the loan for the same car.

Stocks and your 401(k): zoom out

S&P 500 vs 52-week high: −6.0%; Live
VIX: 25.64; Implies about ±7.4% over a month

The VIX is the market's own estimate of how much the S&P 500 will swing over the next 30 days, read from option prices. At 25.6, it implies moves within about ±7.4% over the next month roughly two times out of three. The S&P 500 is 6.0% below its 52-week high of 7,845.

What it means for you: for money you won't touch for decades, one day's move matters far less than how much you contribute and for how long — that is what compounding runs on.

Sources: Freddie Mac Primary Mortgage Market Survey®; Federal Reserve (federal funds target range, H.15 prime rate, G.19 consumer credit); FDIC national deposit rates — retrieved from FRED, Federal Reserve Bank of St. Louis. Car-loan rates: Experian, State of the Automotive Finance Market, Q2 2026. Mortgage–Treasury spread: Coinscribed analysis of Freddie Mac and US Treasury data (via FRED), 2000–2025. Live quotes via Yahoo Finance. Examples are illustrations, not offers or advice.

12-month trend

30-year mortgage rate, last 12 months

The average 30-year fixed mortgage rate was 7.18% in the week of Nov 5, 2026, up 0.96 points from 6.22% a year earlier. Over the past 12 months it ranged from 5.98% (Feb 26, 2026) to 7.40% (Oct 8, 2026).

Low 5.98% (Feb 26, 2026)High 7.40% (Oct 8, 2026)Source: Freddie Mac Primary Mortgage Market Survey, via FRED. Weekly averages.

What the move costs: on a $400,000 30-year loan, principal and interest is about $2,710 a month at today’s 7.18%, versus $2,393 at the 12-month low of 5.98%, a difference of $317 a month. Run your own numbers.

Calendar

Coming up: dates that move your rates

The next scheduled Fed decisions and government reports, and what each one tends to do to mortgage, card and savings rates.

Tue, Nov 10
8:30 a.m. ET
In 3 days
Inflation (CPI)
Consumer Price Index, October 2026
A hotter-than-expected reading tends to push Treasury yields, and the mortgage rates priced off them, higher. Savings yields can stay higher for longer.
Bureau of Labor Statistics schedule
Fri, Dec 4
8:30 a.m. ET
In 27 days
Jobs report
Employment Situation, November 2026
Hiring and unemployment shape what the Fed does next, so a surprise moves Treasury yields and, with them, mortgage rates.
Bureau of Labor Statistics schedule
Dec 8–9
2:00 p.m. ET
In 31 days
Fed decision
FOMC meeting, December 8–9
Sets the federal funds target. Credit card APRs, HELOCs and savings yields usually follow a change within a billing cycle or two.
Federal Reserve schedule
Thu, Dec 10
8:30 a.m. ET
In 33 days
Inflation (CPI)
Consumer Price Index, November 2026
A hotter-than-expected reading tends to push Treasury yields, and the mortgage rates priced off them, higher. Savings yields can stay higher for longer.
Bureau of Labor Statistics schedule

Every week: Freddie Mac publishes its average 30-year and 15-year mortgage rates on Thursdays at 12 p.m. ET. Next release: Thu, Nov 12 (Freddie Mac PMMS; holiday weeks can shift it).

Dates are the agencies’ published schedules, checked Oct 1, 2026. Agencies can move a release, and a federal government shutdown delays BLS reports.

Hours & holidays

Is the stock market open today?

Not right now. Closed for the weekend. Opens Mon, Nov 9 at 9:30 AM ET. The New York Stock Exchange and Nasdaq hold regular trading from 9:30 AM to 4:00 PM ET, Monday through Friday, and close for the exchange holidays listed below.

US stock market trading hours (Eastern time)
Session	Hours (ET)
Regular session	9:30 AM – 4:00 PM, Mon–Fri
Pre-market (Nasdaq)	4:00 AM – 9:30 AM
After-hours (Nasdaq)	4:00 PM – 8:00 PM
Early-close days	Regular session ends 1:00 PM ET

Extended-hours windows vary by broker, and trading outside the regular session usually means thinner volume and wider spreads.

Stocks open, bonds closed: Veterans Day (Wed, Nov 11, 2026) is a normal trading day for stocks, but SIFMA recommends a full close for the US bond market, and many banks are closed.

Source: NYSE holiday and trading-hours calendar (Nasdaq observes the same closures) and SIFMA's bond-market recommendations.

Upcoming US stock market holidays and early closes
Upcoming holiday	Date	Stocks
Thanksgiving Day	Thu, Nov 26, 2026	Closed
Day after Thanksgiving	Fri, Nov 27, 2026	Closes 1 PM
Christmas Eve	Thu, Dec 24, 2026	Closes 1 PM
Christmas Day	Fri, Dec 25, 2026	Closed
New Year's Day	Fri, Jan 1, 2027	Closed
Martin Luther King Jr. Day	Mon, Jan 18, 2027	Closed
Washington's Birthday (Presidents Day)	Mon, Feb 15, 2027	Closed
Good Friday	Fri, Mar 26, 2027	Closed
Memorial Day	Mon, May 31, 2027	Closed
Juneteenth (observed)	Fri, Jun 18, 2027	Closed

Answers

Frequently asked questions

: US stock markets — the New York Stock Exchange and Nasdaq — are open 9:30 a.m. to 4:00 p.m. Eastern time, Monday through Friday, except on exchange holidays such as Thanksgiving and Christmas. The status bar at the top of this page shows whether they are open right now and when the next session starts.
: The regular session runs from 9:30 a.m. to 4:00 p.m. Eastern time. Nasdaq also runs pre-market trading from 4:00 a.m. and after-hours trading until 8:00 p.m., though many brokers offer shorter windows. On early-close days, such as the day after Thanksgiving, the regular session ends at 1:00 p.m.
: Yes. The NYSE and Nasdaq trade normally on Columbus Day (also observed as Indigenous Peoples’ Day) and Veterans Day. The bond market is different: SIFMA recommends a full close for US bond trading on both days, and many banks are closed.
: The S&P 500 tracks about 500 of the largest US companies, weighted by market value, and is the broadest of the three. The Dow Jones Industrial Average tracks just 30 large companies and is weighted by share price. The Nasdaq Composite covers nearly every stock listed on the Nasdaq exchange, which makes it heavily weighted toward technology.
: The VIX, or Cboe Volatility Index, is the market’s estimate of how much the S&P 500 will move over the next 30 days, calculated from S&P 500 option prices. It is quoted as an annualized percentage, so dividing it by about 3.5 gives the approximate one-month move being priced in. Readings rise when investors are nervous, which is why it is called Wall Street’s fear gauge.
: Lenders price 30-year fixed mortgages off the 10-year Treasury yield plus a spread for their risk and costs, so mortgage rates tend to rise and fall with it. From 2000–2025, the average 30-year fixed rate ran about 1.9 percentage points above the 10-year yield, in a range of roughly 1.2 to 3.1 points.
: Yes, but unevenly. Most credit card APRs are the prime rate plus a margin, and prime moves in step with the Fed, so card rates follow a Fed change within a billing cycle or two. Savings rates follow too, but banks pass changes on at their own pace — online high-yield accounts usually move much more than the national average savings rate does.
: The lowest and highest levels a market has traded at over the past year. The bar in the table marks where today’s level sits between the two, and clicking it opens a chart of the year’s daily closes with the dates of the low and the high. Sitting near either end tells you where a market has been, not where it goes next.
: A market’s daily change compares the latest price with the closing price of the previous trading session. That is why an index can be up for the day even if it has slipped since the opening bell. On this page the dashed line on each chart marks that previous close.