10.

DEPOSITS

Deposits consist of the following:

	December 31,
	2017		2016
	(Dollars in thousands)
Checking accounts:
Interest bearing	$	170,478	$	158,270
Non-interest bearing		354,970		256,918
Savings accounts		301,716		294,564
Money market accounts		424,234		316,813
Certificates of deposit		705,341		488,426
Total deposits	$	1,956,739	$	1,514,991

Included in total deposits above are related-party deposits of $6.1 million and $3.5 million at December 31, 2017 and 2016, respectively.

Interest expense on deposits is summarized as follows:

	December 31,
	2017		2016		2015
	(Dollars in thousands)
Interest bearing demand deposits and money market accounts	$	1,874	$	1,012	$	1,006
Savings accounts		112		124		161
Certificates of deposit		6,451		4,786		5,359
Total	$	8,437	$	5,922	$	6,526

A summary of certificates of deposit by maturity follows:

	December 31,
	2017
	(Dollars in thousands)
2018	$	433,136
2019		179,430
2020		33,050
2020		17,820
2021		25,772
Thereafter		16,133
Total	$	705,341

A summary of certificates of deposit with balances greater than $250,000 by maturity is as follows:

	December 31,
	2017		2016
	(Dollars in thousands)
Three months or less	$	12,670	$	1,552
Over three months to six months		7,255		10,346
Over six months to twelve months		19,105		35,234
Over twelve months		18,306		14,151
Total	$	57,336	$	61,283

Home Savings had $156.5 million in brokered deposits at December 31, 2017. Home Savings had $76.5 million in brokered deposits at December 31, 2016.

Home Savings offers an equity-linked time deposit product (the Power CD). The Power CD is a time deposit that provides the purchaser a guaranteed return of principal at maturity plus a potential equity return. Home Savings had $12.7 million in Power CDs that were included in certificates of deposit at December 31, 2017. Home Savings had $12.9 million in Power CDs that were included in certificates of deposit at December 31, 2016.