Note 6. Deposits

Major classifications of deposits at June 30, 2016 and 2015 are summarized as follows:

(In thousands)	2016		2015
Noninterest-bearing deposits	$	88,254	$	73,678
Certificates of deposit		50,666		43,121
Savings deposits		177,309		163,927
Money market deposits		112,905		103,405
NOW deposits		309,753		238,586
Total deposits	$	738,887	$	622,717

Advance payments by borrowers for taxes and insurance totaling $6,590,000 and $6,092,000 at June 30, 2016 and 2015, 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, 2016.

(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	$	15,222	$	4,165	$	3,246	$	13,346	$	35,979
Certificates of deposit $100,000 or more		2,276		1,002		1,984		9,425		14,687
Total certificates of deposit	$	17,498	$	5,167	$	5,230	$	22,771	$	50,666

The aggregate amount of certificates of deposit in denominations of $250,000 or more (the amount which exceeds the FDIC insurance limit) was $2,824,000 at June 30, 2016. Certificates of deposit less than $100,000 due within 3 months or less, includes $10.0 million in brokered deposits.

Scheduled maturities of certificates of deposit at June 30, 2016 were as follows:

(In thousands)
The year ended June 30,
2017	$	27,895
2018		7,849
2019		7,555
2020		5,322
2021		2,045
	$	50,666