NOTE 7: DEPOSITS

The following table sets forth the weighted average interest rates for each type of deposit at December 31, 2017 and 2016:


	December 31,
	2017								2016
(dollars in thousands)	Amount		Percent of Total			Weighted Average Interest Rate			Amount		Percent of Total			Weighted Average Interest Rate ⁽¹⁾
Interest-bearing checking and money market accounts	$	12,936,301		44.45	%		0.23	%	$	13,395,080		46.37	%		0.55	%
Savings accounts		5,210,001		17.90			0.52			5,280,374		18.28			0.46
Certificates of deposit		8,643,646		29.70			1.31			7,577,170		26.23			1.12
Non-interest-bearing accounts		2,312,215		7.95			—			2,635,279		9.12			—

Total deposits	$	29,102,163		100.00	%		0.58	%	$	28,887,903		100.00	%		0.63	%

At both December 31, 2017 and 2016, the aggregate amount of deposits that had been reclassified as loan balances (i.e., overdrafts) was $3.1 million.

The scheduled maturities of certificates of deposit (“CDs”) at December 31, 2017 were as follows:


(in thousands)
1 year or less	$	5,897,172
More than 1 year through 2 years		2,461,847
More than 2 years through 3 years		209,389
More than 3 years through 4 years		42,485
More than 4 years through 5 years		21,907
Over 5 years		10,846

Total CDs	$	8,643,646

The following table presents a summary of CDs in amounts of $100,000 or more by remaining term to maturity, at December 31, 2017:


	CDs of $100,000 or More Maturing Within
(in thousands)	3 Months or Less		Over 3 to 6 Months		Over 6 to 12 Months		Over 12 Months		Total
Total	$	1,333,531	$	1,495,368	$	1,064,316	$	1,595,643	$	5,488,858

Included in total deposits at December 31, 2017 and 2016 were brokered deposits of $4.0 billion and $3.9 billion, with weighted average interest rates of 1.37% and 0.62% at the respective year-ends. Brokered money market accounts represented $2.6 billion and $2.5 billion, respectively, of the December 31, 2017 and 2016 totals, and brokered interest-bearing checking accounts represented $793.7 million and $1.4 billion, respectively. Brokered CDs represented $567.8 million of brokered deposits at December 31, 2017. There were no brokered CDs at December 31, 2016.