Deposits as of December 31, 2023 and 2022 are summarized as follows (in thousands):


	2023		Weighted average interest rate		2022		Weighted average interest rate
Savings deposits	$	1,175,683	0.21	%	$	1,438,583	0.15	%
Money market accounts	2,325,364		2.67		2,542,160		1.21
NOW accounts (1)	3,492,184		2.77		3,186,926		1.24
Non-interest bearing deposits	2,203,341		—		2,643,919		—
Certificates of deposit (2)	1,095,942		3.85		751,436		1.88
Total deposits	$	10,292,514			$	10,563,024

(1)Our insured cash sweep ("ICS") product totaled $520.2 million as of December 31, 2023 and are located within NOW accounts.

(2)Time deposits equal to or in excess of $250,000 were, $218.5 million and $108.2 million as of December 31, 2023 and December 31, 2022, respectively. Additionally, our Certificate of Deposit Account Registry Service ("CDARS") product totaled $163.9 million as of December 31, 2023.

Within total deposits, brokered deposits totaled $689.3 million as of December 31, 2023. Our brokered deposits are made up primarily of ICS deposits and CDARS. Both of these services are provided by the bank to increase the level of customers' deposit insurance.

Scheduled maturities of certificates of deposit accounts as of December 31, 2023 and 2022 are as follows (in thousands):


	2023		2022
Within one year	$	1,020,285	584,150
One to three years	63,866		146,053
Three to five years	11,773		21,111
Five years and thereafter	18		122
	$	1,095,942	751,436

Interest expense on deposits for the years ended December 31, 2023, 2022 and 2021 is summarized as follows (in thousands):


	Years ended December 31,
	2023		2022	2021
Savings deposits	$	2,184	1,276	1,604
NOW and money market accounts	125,471		32,048	20,458
Certificates of deposits	31,804		5,380	4,451
	$	159,459	38,704	26,513