v3.26.3
DEPOSITS
 9 Months Ended
Sep. 30, 2026
Other Liabilities Disclosure [Abstract]  
DEPOSITS DEPOSITS
Deposits were categorized as interest-bearing or non-interest-bearing as follows, as of the dates presented:

September 30,
2026		December 31,
2025
(Millions)
Interest-bearing$15,479 $13,891 
Non-interest-bearing (including cardholder credit balances)23 25 
Total deposits$15,502 $13,916 

Deposits by deposit type were as follows as of the dates presented:

September 30,
2026		December 31,
2025
(Millions)
Savings accounts
Consumer deposits$5,234 $4,329 
Wholesale3,729 3,371 
Certificates of deposit
Consumer deposits4,666 4,194 
Wholesale1,850 1,997 
Cardholder credit balances23 25 
Total deposits$15,502 $13,916 
The scheduled maturities of certificates of deposit were as follows as of September 30, 2026:

(Millions)
2026 (1)
$1,052 
20274,152 
20281,102 
2029103 
203068 
Thereafter38 
Total certificates of deposit$6,515 
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(1)The 2026 balance includes $3 million in unamortized debt issuance costs, which are associated with the entire portfolio of certificates of deposit.

As of September 30, 2026 and December 31, 2025, consumer deposits that exceeded applicable Federal Deposit Insurance Corporation (FDIC) insurance limits, which are generally $250,000 per depositor, per insured bank, per ownership category, were estimated to be $786 million (5% of Total deposits) and $638 million (5% of Total deposits), respectively. The measurement of estimated uninsured deposits aligns with regulatory guidelines.