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v3.25.2

DEPOSITS | 6 Months Ended
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Jun. 30, 2025
Other Liabilities Disclosure [Abstract] |
DEPOSITS | DEPOSITS Deposits were categorized as interest-bearing or non-interest-bearing as follows, as of the dates presented:
| June 30, 2025 |  | December 31, 2024
(Millions) |  |  |
Interest-bearing | $ | 13,312 |  |  | $ | 13,055 |
Non-interest-bearing (including cardholder credit balances) | 28 |  |  | 27 |
Total deposits | $ | 13,340 |  |  | $ | 13,082 |
Deposits by deposit type were as follows as of the dates presented:
| June 30, 2025 |  | December 31, 2024
(Millions) |  |  |
Savings accounts |  |  |
Direct-to-consumer (retail) | $ | 3,936 |  |  | $ | 3,226 |
Wholesale | 3,548 |  |  | 3,601 |
Certificates of deposit |  |  |
Direct-to-consumer (retail) | 4,144 |  |  | 4,461 |
Wholesale | 1,684 |  |  | 1,767 |
Cardholder credit balances | 28 |  |  | 27 |
Total deposits | $ | 13,340 |  |  | $ | 13,082 |
The scheduled maturities of certificates of deposit were as follows as of June 30, 2025:
(Millions) |
2025 (1) | $ | 2,997 |
2026 | 1,531 |
2027 | 939 |
2028 | 286 |
2029 | 46 |
Thereafter | 29 |
Total certificates of deposit | $ | 5,828 |
__________________________________ (1)The 2025 balance includes $3 million in unamortized debt issuance costs, which are associated with the entire portfolio of certificates of deposit. As of June 30, 2025 and December 31, 2024, deposits that exceeded applicable FDIC insurance limits, which are generally $250,000 per depositor, per insured bank, per ownership category, were estimated to be $612 million (5% of Total deposits) and $574 million (4% of Total deposits), respectively. The measurement of estimated uninsured deposits aligns with regulatory guidelines.

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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://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Paragraph 1 -SubTopic 405 -Topic 942 -Publisher FASB -URI https://asc.fasb.org/1943274/2147478353/942-405-50-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 942 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(12)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph e -Publisher SEC Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Publisher SEC + Details
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