
($ in millions)	September 30, 2026		December 31, 2025
Interest-bearing deposits:
Money market and other demand deposits	$	2,974	$	2,837
Savings	29,146		29,777
Certificates of deposit:
Direct	43,638		42,229
Brokered	4,207		3,316
Brokered sweep accounts	2,548		2,589
Total interest-bearing deposits	82,513		80,748
Total non-interest-bearing deposits	438		396
Total deposits	$	82,951	$	81,144

At September 30, 2026, our certificates of deposit maturing for the remainder of 2026 and over the next four years and thereafter were as follows:

At September 30, 2026 and December 31, 2025, direct certificates of deposit of $12.9 billion and $12.3 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 September 30, 2026 and December 31, 2025, the portion of these direct certificates of deposit estimated to be uninsured was $4.5 billion and $4.2 billion, respectively. Brokered certificates of deposit are assumed to be individual deposit balances within applicable FDIC insurance limits.

Our brokered sweep deposits are sourced through a third-party program arranger that channels deposit accounts to us. Unless extended, the related agreements are scheduled to terminate between 2028 and 2030.