Note 6. Deposits

Major classifications of deposits at June 30, 2015 and 2014 are summarized as follows:

(In thousands)	2015		2014
Noninterest-bearing deposits	$	73,359	$	67,446
Certificates of deposit		43,121		48,900
Savings deposits		163,927		165,227
Money market deposits		103,724		87,363
NOW deposits		238,586		220,638
Total deposits	$	622,717	$	589,574

Advance payments by borrowers for taxes and insurance totaling $6,092,000 and $5,495,000 at June 30, 2015 and 2014, respectively, are included in savings deposits.

Related party deposits are not material.

The following indicates the amount of certificates of deposit by time remaining to maturity as of June 30, 2015.

(In thousands)	3 months or less		3 to 6 Months		7 to 12 Months		Over 12 Months		Total
Certificates of deposit less than $100,000	$	6,740	$	5,124	$	4,452	$	11,934	$	28,250
Certificates of deposit $100,000 or more		2,635		949		1,466		9,821		14,871
Total certificates of deposit	$	9,375	$	6,073	$	5,918	$	21,755	$	43,121

The aggregate amount of certificates of deposit in denominations of $250,000 or more (the amount which exceeds the FDIC insurance limit) was $2,793,000 at June 30, 2015.

Scheduled maturities of certificates of deposit at June 30, 2015 were as follows:

(In thousands)
The year ended June 30,
2016	$	21,366
2017		4,805
2018		7,196
2019		4,765
2020		4,989
	$	43,121