13. DUE TO DEPOSITORS

Deposits are summarized as follows:

	At December 31, 2018					At December 31, 2017
	Weighted Average Rate			Liability		Weighted Average Rate			Liability
Savings accounts		0.06	%	$	336,669		0.07	%	$	362,092
Certificates of deposit ("CDs")		1.97			1,410,037		1.47			1,091,887
Money market accounts		1.43			2,098,599		0.96			2,517,439
Interest-bearing checking accounts		0.30			115,972		0.08			124,283
Non-interest bearing checking accounts		—			395,477		—			307,746
TOTAL		1.33	%	$	4,356,754		0.91	%	$	4,403,447

The following table presents a summary of scheduled maturities of CDs outstanding at December 31, 2018:

	Maturing Balance		Weighted Average Interest Rate
2019	$	1,033,224		1.95	%
2020		276,966		1.98
2021		34,639		1.97
2022		50,869		2.38
2023		9,492		1.95
2024 and beyond		4,847		1.59
TOTAL	$	1,410,037		1.97	%

CDs that met or exceeded the Federal Deposit Insurance Corporation (“FDIC”) Insurance limit of two-hundred and fifty thousand dollars were $287,834 and $179,307 December 31, 2018 and 2017, respectively.