NOTE 8

Customer Deposits

As of December 31, customer deposits were categorized as interest-bearing or non-interest-bearing as follows:

(Millions)		2017		2016
U.S.:
	Interest-bearing	$	63,666	$	52,316
	Non-interest-bearing (includes Card Member credit balances of: 2017, $358 million; 2016, $331 million)		395		367
Non-U.S.:
	Interest-bearing		34		58
	Non-interest-bearing (includes Card Member credit balances of: 2017, $344 million; 2016, $285 million)		357		301
Total customer deposits		$	64,452	$	53,042

Customer deposits by deposit type as of December 31 were as follows:

(Millions)			2017		2016
U.S. retail deposits:
	Savings accounts ― Direct		$	31,915	$	30,980
	Certificates of deposit:^(a)
		Direct		290		291
		Third-party (brokered)		16,684		11,925
	Sweep accounts ―Third-party (brokered)			14,777		9,120
Other deposits:
	U.S. non-interest bearing deposits			37		36
	Non-U.S. deposits			47		74
Card Member credit balances ― U.S. and non-U.S.				702		616
Total customer deposits			$	64,452	$	53,042

The weighted average remaining maturity and weighted average interest rate at issuance on the total portfolio of U.S. retail certificates of deposit issued through direct and third-party programs were 45 months and 2.15 percent, respectively, as of December 31, 2017.

The scheduled maturities of certificates of deposit as of December 31, 2017 were as follows:

(Millions)	U.S.		Non-U.S.		Total
2018	$	5,236	$	20	$	5,256
2019		4,604		―		4,604
2020		3,674		―		3,674
2021		1,310		―		1,310
2022		2,150		―		2,150
After 5 years		―		―		―
Total	$	16,974	$	20	$	16,994

As of December 31, certificates of deposit in denominations of $250,000 or more, in the aggregate, were as follows:

(Millions)	2017		2016
U.S.	$	114	$	117
Non-U.S.		11		7
Total	$	125	$	124