DEPOSITS (Tables)

9 Months Ended

Sep. 30, 2026

Other Liabilities Disclosure [Abstract]

Schedule of Deposits and Deposits By Deposit Type

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
Wholesale	3,729		3,371
Certificates of deposit
Consumer deposits	4,666		4,194
Wholesale	1,850		1,997
Cardholder credit balances	23		25
Total deposits	$	15,502	$	13,916

Schedule of Maturities of Certificates of Deposit

The scheduled maturities of certificates of deposit were as follows as of September 30, 2026:


(Millions)
2026 (1)	$	1,052
2027	4,152
2028	1,102
2029	103
2030	68
Thereafter	38
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.

- Definition

Tabular disclosure of type of deposit liability.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef
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+ Details