NOTE 8

Customer Deposits

As of December 31, customer deposits were categorized as interest-bearing or non-interest-bearing as follows:

(Millions)		2016		2015
U.S.:
	Interest-bearing	$	52,316	$	54,102
	Non-interest-bearing (includes Card Member credit balances of: 2016, $331 million; 2015, $389 million)		367		478
Non-U.S.:
	Interest-bearing		58		82
	Non-interest-bearing (includes Card Member credit balances of: 2016, $285 million; 2015, $323 million)		301		335
Total customer deposits		$	53,042	$	54,997

Customer deposits by deposit type as of December 31 were as follows:

(Millions)			2016		2015
U.S. retail deposits:
	Savings accounts ― Direct		$	30,980	$	29,023
	Certificates of deposit:^(a)
		Direct		291		281
		Third-party (brokered)		11,925		13,856
	Sweep accounts ―Third-party (brokered)			9,120		10,942
Other retail deposits:
	Non-U.S. deposits and U.S. non-interest bearing deposits			110		183
Card Member credit balances ― U.S. and non-U.S.				616		712
Total customer deposits			$	53,042	$	54,997

The weighted average remaining maturity and weighted average rate at issuance on the total portfolio of U.S. retail CDs issued through direct and third-party programs were 46.5 months and 1.94 percent, respectively, as of December 31, 2016.

The scheduled maturities of certificates of deposit as of December 31, 2016 were as follows:

(Millions)	U.S.		Non-U.S.		Total
2017	$	3,735	$	15	$	3,750
2018		3,437		―		3,437
2019		2,396		―		2,396
2020		2,542		―		2,542
2021		106		―		106
After 5 years		―		―		―
Total	$	12,216	$	15	$	12,231

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

(Millions)	2016		2015
U.S.	$	117	$	105
Non-U.S.		7		1
Total	$	124	$	106