
	June 30, 2025		September 30, 2024
Checking accounts	$	810,629	$	829,924
Savings accounts, excluding money market accounts	1,101,088		1,127,772
Money market accounts	143,339		193,074
Certificates of deposit	8,271,633		8,021,123
	10,326,689		10,171,893
Accrued interest	14,810		23,186
Total deposits	$	10,341,499	$	10,195,079

The aggregate amount of CDs in denominations of more than $250 was $1,465,541 and $1,283,719 at June 30, 2025 and September 30, 2024, respectively. In accordance with the DFA, the maximum amount of federal deposit insurance is $250 per depositor for each account ownership category.

Brokered CDs (exclusive of acquisition costs and subsequent amortization), which are used as a cost effective funding alternative, totaled $977,499 and $1,217,303 at June 30, 2025 and September 30, 2024, respectively, of which $675,000 and $725,000 were aligned with interest rate swaps as discussed in Note 13. DERIVATIVE INSTRUMENTS. The FDIC places restrictions on banks with regard to issuing brokered deposits based on the bank's capital classification. As a well-capitalized institution at June 30, 2025 and September 30, 2024, the Association may accept brokered deposits without FDIC restrictions.