14.DEPOSITS

The Bank’s deposits at June 30, 2014 and 2013 consisted of the following (dollars in thousands):



	2014			2013
	Amount	Percent		Amount	Percent

Noninterest bearing demand accounts	$ 68,797	6.9	%	$ 55,221	5.5	%
Interest bearing demand accounts	7,921	0.8		7,723	0.8
Savings accounts	880,212	88.0		883,229	88.9
Limited access money market accounts	16,248	1.6		17,212	1.7
Certificates of deposit, less than $100,000	15,434	1.5		17,829	1.8
Certificates of deposit, $100,000 and greater	11,527	1.2		12,505	1.3
	$ 1,000,139	100.0	%	$ 993,719	100.0	%

The weighted average interest rate on the Bank’s deposits was approximately 0.04% at both June 30, 2014 and 2013, respectively.

At June 30, 2014, scheduled maturities of certificates of deposit were as follows (in thousands):



	1 Year or Less	> 1 Year Through 2 Years	> 2 Years Through 3 Years	> 3 Years Through 4 Years	Thereafter	Total
Certificates of deposit, less than $100,000	$ 12,907	$ 1,393	$ 328	$ 424	$ 382	$ 15,434
Certificates of deposit, $100,000 and greater	9,833	1,366	328	-	-	11,527
	$ 22,740	$ 2,759	$ 656	$ 424	$ 382	$ 26,961

The Bank is funded primarily by core deposits, with interest-bearing savings accounts from Southwest Securities’ customers making up a significant source of these deposits.