| DEPOSITS |
7. DEPOSITS Deposit accounts consisted of the following at the dates indicated (in thousands): | | | | | | | | | March 31, | | March 31, | Account Type | | 2025 | | 2024 | Non-interest-bearing | | $ | 315,503 | | $ | 349,082 | Interest-bearing checking | | | 285,035 | | | 289,823 | Money market | | | 236,044 | | | 209,164 | Savings accounts | | | 168,287 | | | 192,638 | Certificates of deposit | | | 227,459 | | | 190,972 | Total | | $ | 1,232,328 | | $ | 1,231,679 |
Individual certificates of deposit greater than $250,000 totaled $58.0 million and $55.7 million at March 31, 2025 and 2024, respectively. Scheduled maturities of certificates of deposit for future years ending March 31 are as follows (in thousands): | | | | Year Ending March 31, : | | | | 2026 | | $ | 222,075 | 2027 | | | 2,426 | 2028 | | | 906 | 2029 | | | 829 | 2030 | | | 354 | Thereafter | | | 869 | Total | | $ | 227,459 |
Interest expense by deposit type was as follows for the years indicated (in thousands): | | | | | | | | | | | | Year Ended March 31, | | | 2025 | | 2024 | | 2023 | Interest-bearing checking | | $ | 2,606 | | $ | 785 | | $ | 89 | Money market | | | 4,162 | | | 2,860 | | | 415 | Savings accounts | | | 170 | | | 132 | | | 219 | Certificates of deposit | | | 8,375 | | | 4,508 | | | 779 | Total | | $ | 15,313 | | $ | 8,285 | | $ | 1,502 |
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