10. DUE TO DEPOSITORS

Deposits are summarized as follows:

	At December 31, 2014		At December 31, 2013
	Effective Cost	Liability	Effective Cost	Liability
Savings accounts	0.05%	$372,753	0.05%	$376,900
Certificates of deposit ("CDs")	1.43	926,318	1.55	828,409
Money market accounts	0.61	1,094,698	0.50	1,040,079
Interest bearing checking accounts	0.08	78,430	0.08	87,301
Non-interest bearing checking accounts	-	187,593	-	174,457
TOTAL	0.76%	$2,659,792	0.73%	$2,507,146

The following table presents a summary of future maturities of CDs outstanding at December 31, 2014:

Year Ending December 31,	Maturing Balance	Weighted Average Interest Rate
2015	$504,939	1.10%
2016	113,041	1.32
2017	87,517	1.84
2018	99,067	2.25
2019	110,392	1.98
2020 and beyond	11,362	1.71
TOTAL	$926,318	1.43%(1)

(1) The weighted average cost of CDs, inclusive of their contractual compounding of interest, was 1.43% at December 31, 2014.

CDs that meet or exceed the Federal Deposit Insurance Corporation ("FDIC") Insurance limit of two-hundred and fifty thousand dollars were approximately $122,603 and $77,369 at December 31, 2014 and 2013, respectively.