Deposits consist of interest-bearing demand deposits (primarily money market and savings accounts), non-interest bearing demand deposits, and certificates of deposit. Deposits at September 30, 2024 and December 31, 2023 were as follows (in thousands):


	September 30, 2024		December 31, 2023
Demand deposits (interest-bearing)	$	27,539,904	$	27,111,072
Demand deposits (non-interest-bearing)		309,982		223,505
Certificates of deposit		270,632		2
	$	28,120,518	$	27,334,579

The weighted-average interest rate on deposits was 3.32% and 2.66% at September 30, 2024 and December 31, 2023, respectively. Certificates of deposit, of $0.1 million and greater, due within one year at September 30, 2024 was $270.6 million.

At September 30, 2024 and December 31, 2023, bank deposits include related party deposits, primarily interest-bearing and time deposits of executive officers, directors, and their affiliates were $2.4 million and $9.0 million, respectively. Brokerage customers’ deposits were $26.0 billion and $24.1 billion, respectively.