Deposit Accounts
The deposit accounts are as follows: | | | | | | | | | | December 31, | | 2015 | | 2014 | | (Dollars in millions) | Retail deposits | | | | Branch retail deposits | | | | Demand deposit accounts | $ | 797 |
| | $ | 726 |
| Savings accounts | 3,717 |
| | 3,428 |
| Money market demand accounts | 163 |
| | 209 |
| Certificates of deposit/CDARS | 811 |
| | 807 |
| Total branch retail deposits | 5,488 |
| | 5,170 |
| Commercial deposits | | | | Demand deposit account | 194 |
| | 133 |
| Savings account | 34 |
| | 27 |
| Money market demand accounts | 104 |
| | 43 |
| Certificates of deposit/CDARS | 14 |
| | 5 |
| Total commercial deposits | 346 |
| | 208 |
| Total retail deposits subtotal | 5,834 |
| | 5,378 |
| Government deposits | | | | Demand deposit accounts | 302 |
| | 246 |
| Savings accounts | 363 |
| | 317 |
| Certificates of deposit/CDARS | 397 |
| | 355 |
| Total government deposits | 1,062 |
| | 918 |
| Company controlled deposits | 1,039 |
| | 773 |
| Total deposits | $ | 7,935 |
| | $ | 7,069 |
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The following indicates the scheduled maturities for certificates of deposit with a minimum denomination of $250,000: | | | | | | | | | | December 31, | | 2015 | | 2014 | | (Dollars in millions) | Three months or less | $ | 97 |
| | $ | 93 |
| Over three months to six months | 72 |
| | 54 |
| Over six months to twelve months | 173 |
| | 103 |
| One to two years | 17 |
| | 9 |
| Thereafter | 37 |
| | 5 |
| Total | $ | 396 |
| | $ | 264 |
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