| Customer Deposits |
NOTE 8 Customer Deposits As of December 31, customer deposits were categorized as interest-bearing or non-interest-bearing as follows: | (Millions) | | 2015 | | 2014 | | U.S.: | | | | | | | | Interest-bearing | | $ | 54,102 | | $ | 43,279 | | Non-interest-bearing (includes Card Member credit balances of: 2015, $389 million; 2014, $372 million) | | | 478 | | | 418 | | Non-U.S.: | | | | | | | | Interest-bearing | | | 82 | | | 115 | | Non-interest-bearing (includes Card Member credit balances of: 2015, $323 million; 2014, $347 million) | | | 335 | | | 359 | | Total customer deposits | | $ | 54,997 | | $ | 44,171 |
Customer deposits by deposit type as of December 31 were as follows: | (Millions) | | 2015 | | 2014 | | U.S. retail deposits: | | | | | | | | Savings accounts ― Direct | | $ | 29,023 | | $ | 26,159 | | Certificates of deposit: | | | | | | | | | Direct | | | 281 | | | 333 | | | Third-party (brokered) | | | 13,856 | | | 7,838 | | Sweep accounts ―Third-party (brokered) | | | 10,942 | | | 8,949 | | Other retail deposits: | | | | | | | | Non-U.S. deposits and U.S. non-interest bearing deposits | | | 183 | | | 173 | | Card Member credit balances ― U.S. and non-U.S. | | | 712 | | | 719 | | Total customer deposits | | $ | 54,997 | | $ | 44,171 |
The scheduled maturities of certificates of deposit as of December 31, 2015 were as follows: | (Millions) | | U.S. | | Non-U.S. | | Total | | 2016 | | $ | 2,486 | | $ | 7 | | $ | 2,493 | | 2017 | | | 3,630 | | | ― | | | 3,630 | | 2018 | | | 3,180 | | | ― | | | 3,180 | | 2019 | | | 2,326 | | | ― | | | 2,326 | | 2020 | | | 2,515 | | | ― | | | 2,515 | | Total | | $ | 14,137 | | $ | 7 | | $ | 14,144 |
As of December 31, certificates of deposit in denominations of $250,000 or more, in the aggregate, were as follows: | (Millions) | | 2015 | | 2014 | | U.S. | | $ | 105 | | $ | 111 | | Non-U.S. | | | 1 | | | 17 | | Total | | $ | 106 | | $ | 128 |
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