7. Customer Deposits

As of June 30, 2016 and December 31, 2015, customer deposits were categorized as interest bearing or non-interest bearing, as follows:

(Millions)			2016		2015
U.S.:
	Interest bearing		$	53,666	$	54,102
	Non-interest bearing (includes Card Member credit balances of:
		2016, $311 million; 2015, $389 million)		343		478
Non-U.S.:
	Interest bearing			89		82
	Non-interest bearing (includes Card Member credit balances of:
		2016, $293 million; 2015, $323 million)		306		335
Total customer deposits			$	54,404	$	54,997

Customer deposits by deposit type as of June 30, 2016 and December 31, 2015 were as follows:

(Millions)			2016		2015
U.S. retail deposits:
	Savings accounts – Direct		$	30,221	$	29,023
	Certificates of deposit:
		Direct		287		281
		Third-party (brokered)		13,460		13,856
	Sweep accounts – Third-party (brokered)			9,698		10,942
Other retail deposits:
	Non-U.S. deposits and U.S. non-interest bearing deposits			134		183
Card Member credit balances ― U.S. and non-U.S.				604		712
Total customer deposits			$	54,404	$	54,997

The scheduled maturities of certificates of deposit as of June 30, 2016 were as follows:

As of June 30, 2016 and December 31, 2015, certificates of deposit in denominations of $250,000 or more, in the aggregate, were as follows: