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v3.25.3

DEPOSITS (Tables) | 9 Months Ended
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Sep. 30, 2025
Other Liabilities Disclosure [Abstract] |
Schedule of Deposit by Type | Deposits were categorized as interest-bearing or non-interest-bearing as follows, as of the dates presented:
| September 30, 2025 |  | December 31, 2024
(Millions) |  |  |
Interest-bearing | $ | 13,511 |  |  | $ | 13,055 |
Non-interest-bearing (including cardholder credit balances) | 24 |  |  | 27 |
Total deposits | $ | 13,535 |  |  | $ | 13,082 |
Deposits by deposit type were as follows as of the dates presented:
| September 30, 2025 |  | December 31, 2024
(Millions) |  |  |
Savings accounts |  |  |
Direct-to-consumer (retail) | $ | 3,989 |  |  | $ | 3,226 |
Wholesale | 3,448 |  |  | 3,601 |
Certificates of deposit |  |  |
Direct-to-consumer (retail) | 4,199 |  |  | 4,461 |
Wholesale | 1,875 |  |  | 1,767 |
Cardholder credit balances | 24 |  |  | 27 |
Total deposits | $ | 13,535 |  |  | $ | 13,082 |
Schedule of Time Deposit Maturities | The scheduled maturities of certificates of deposit were as follows as of September 30, 2025:
(Millions) |
2025 (1) | $ | 1,180 |
2026 | 3,301 |
2027 | 1,143 |
2028 | 349 |
2029 | 56 |
Thereafter | 45 |
Total certificates of deposit | $ | 6,074 |
__________________________________ (1)The 2025 balance includes $4 million in unamortized debt issuance costs, which are associated with the entire portfolio of certificates of deposit.

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- Definition Tabular disclosure of type of deposit liability. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph e -Publisher SEC Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph d -Publisher SEC Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph c -Publisher SEC Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph a -Subparagraph (5) -Publisher SEC Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph a -Subparagraph (4) -Publisher SEC Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph a -Subparagraph (3) -Publisher SEC Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph a -Subparagraph (2) -Publisher SEC Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph a -Subparagraph (1) -Publisher SEC Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph a -Publisher SEC Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph f -Subparagraph (1) -Publisher SEC Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph f -Subparagraph (2) -Publisher SEC Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph f -Subparagraph (2)(i) -Publisher SEC Reference 13: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph f -Subparagraph (2)(iv) -Publisher SEC Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph f -Subparagraph (2)(iii) -Publisher SEC Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef -Name Regulation S-K (SK) -Number 229 -Section 1406 -Paragraph f -Subparagraph (2)(ii) -Publisher SEC + Details
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- Definition Tabular disclosure of time deposit liability maturities. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Paragraph 1 -SubTopic 10 -Topic 470 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481544/470-10-50-1 + Details
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