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Deposits | 12 Months Ended
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Dec. 31, 2016
Deposits [Abstract] |
Deposits | Deposits The following table summarizes total deposits at December 31, 2016 and 2015.
|  | December 31,
|  | 2016 |  | 2015
Deposits - interest bearing |  | $ | 13,434,990 |  |  | $ | 11,487,006 |
Deposits - non-interest bearing |  | 677 |  |  | 701 |
Total deposits |  | $ | 13,435,667 |  |  | $ | 11,487,707 |
Interest bearing deposits as of December 31, 2016 and 2015 consisted of retail non-maturity savings deposits, retail and brokered non-maturity money market deposits (“MMDAs”), and brokered and retail certificates of deposit (“CDs”). Included in these accounts are what we consider core deposits from various sources. During 2016, we added $1.5 billion in deposits from Educational 529 and Health Savings Accounts as a way to diversify our funding sources. These and other large omnibus accounts, aggregating the deposits of many individual depositors, represented $5.4 billion of our deposit total as of December 31, 2016. Some of our deposit products are serviced by third-party providers. Placement fees associated with the brokered CDs are amortized into interest expense using the effective interest rate method. We recognized placement fee expense of $10.1 million, $10.5 million, and $10.3 million in the years ended December 31, 2016, 2015 and 2014, respectively. Fees paid to third-party brokers related to these CDs were $4.4 million, $4.1 million, and $15.2 million during the years ended December 31, 2016, 2015 and 2014, respectively. Interest bearing deposits at December 31, 2016 and 2015 are summarized as follows:
|  | December 31, 2016 |  | December 31, 2015
|  | Amount |  | Year-End Weighted Average Stated Rate(1) |  | Amount |  | Year-End Weighted Average Stated Rate(1)
Money market |  | $ | 7,129,404 |  |  | 1.22 | % |  | $ | 4,886,299 |  |  | 1.19 | %
Savings |  | 834,521 |  |  | 0.84 |  |  | 669,254 |  |  | 0.82 |
Certificates of deposit |  | 5,471,065 |  |  | 1.41 |  |  | 5,931,453 |  |  | 0.98 |
Deposits - interest bearing |  | $ | 13,434,990 |  |  |  |  |  | $ | 11,487,006 |  |  |
___ (1) Includes the effect of interest rate swaps in effective hedge relationships. Certificates of deposit remaining maturities are summarized as follows:
|  | December 31,
|  | 2016 |  | 2015
One year or less |  | $ | 2,565,246 |  |  | $ | 2,667,980 |
After one year to two years |  | 1,364,812 |  |  | 1,210,429 |
After two years to three years |  | 936,125 |  |  | 1,053,442 |
After three years to four years |  | 225,245 |  |  | 630,851 |
After four years to five years |  | 379,637 |  |  | 203,704 |
After five years |  | — |  |  | 165,047 |
Total |  | $ | 5,471,065 |  |  | $ | 5,931,453 |
As of December 31, 2016 and 2015, there were $304.5 million and $709.9 million of deposits exceeding FDIC insurance limits. Accrued interest on deposits was $18.9 million and $15.7 million at December 31, 2016 and 2015, respectively.

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- Definition The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 405 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=50488274&loc=d3e64164-112818 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.12) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 + Details
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