11. Deposits

The following schedule sets forth interest expense by type of deposit:

	Years Ended December 31
	2014		2013		2012
	(In Thousands)
Checking and money market accounts	$	1,236	$	1,125	$	1,368
Savings accounts		90		90		116
Certificates of deposit		3,957		4,698		6,685
Totals	$	5,283	$	5,913	$	8,169

Accrued interest payable on deposit accounts amounted to $38,000 and $48,000 at December 31, 2014 and 2013, respectively, which was comprised of $23,000 and $15,000 for certificates of deposit and checking and money market accounts, respectively, at December 31, 2014 and $34,000 and $14,000 for certificates of deposit and checking and money market accounts, respectively, at December 31, 2013.

A summary of deposit balances is as follows:

	December 31
	2014		2013
	(In Thousands)
Non-interest bearing checking accounts	$	379,552	$	348,943
Interest bearing checking and money market accounts		727,729		715,939
Savings deposits		203,673		185,121
Retail certificates of deposit less than $100,000		286,904		313,335
Retail certificates of deposit greater than $100,000		162,955		172,454
	$	1,760,813	$	1,735,792

Scheduled maturities of certificates of deposit at December 31, 2014 are as follows (In Thousands):

2015	$	189,880
2016		108,655
2017		44,679
2018		48,036
2019		58,502
2020 and thereafter		107
Total	$	449,859

At December 31, 2014 and 2013, deposits of $851.8 million and $823.7 million, respectively, were in excess of $100,000. Time deposits at December 31, 2014 and 2013, deposits of $27.0 million and $27.7 million, respectively, were in excess of the $250,000 FDIC insurance limit. At December 31, 2014 and 2013, $60.8 million and $54.1 million, respectively, in investment securities were pledged as collateral against public deposits for certificates in excess of $100,000 and an additional $80.4 million and $78.5 million of securities were pledged at December 31, 2014 and December 31, 2013, respectively, as collateral against deposits from private entities in excess of $100,000.