
($ in millions)	June 30, 2025		December 31, 2024
Interest-bearing deposits:
Money market and other demand deposits	$	2,757	$	2,264
Savings	30,964		28,605
Certificates of deposit
Direct	39,596		41,055
Brokered	4,962		5,891
Brokered sweep accounts	3,578		3,849
Total interest-bearing deposits	81,857		81,664

Total non-interest-bearing deposits	405		398
Total deposits	$	82,262	$	82,062

At June 30, 2025, our certificates of deposit maturing for the remainder of 2025 and over the next four years and thereafter were as follows:


($ in millions)	2025		2026		2027		2028		2029		Thereafter
Certificates of deposit	$	14,622	$	22,011	$	3,651	$	1,939	$	1,178	$	1,157

At June 30, 2025 and December 31, 2024, direct certificates of deposit of $11.1 billion and $11.2 billion, respectively, were of denominations at or exceeding applicable FDIC insurance limits, which are generally $250,000 per depositor for each account ownership category. These amounts include partially insured certificates of deposit. At June 30, 2025 and December 31, 2024, the portion of these direct certificates of deposit estimated to be uninsured was $3.8 billion and $3.7 billion, respectively. Brokered certificates of deposit are assumed to be individual deposit balances within applicable FDIC insurance limits.

Our broker network deposit sweeps are procured through a program arranger who channels brokerage account deposits to us. Unless extended, the contracts associated with these broker network deposit sweeps will terminate between 2025 and 2029.