Note 6. Deposits

Major classifications of deposits at June 30, 2017 and 2016 are summarized as follows:

(In thousands)	2017		2016
Noninterest-bearing deposits	$	95,929	$	88,254
Certificates of deposit		53,742		50,666
Savings deposits		197,288		177,309
Money market deposits		119,806		112,905
NOW deposits		392,770		309,753
Total deposits	$	859,535	$	738,887

Advance payments by borrowers for taxes and insurance totaling $7,172,000 and $6,590,000 at June 30, 2017 and 2016, 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, 2017.

(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	$	20,468	$	4,618	$	4,326	$	11,499	$	40,911
Certificates of deposit $100,000 or more		2,784		1,368		1,181		7,498		12,831
Total certificates of deposit	$	23,252	$	5,986	$	5,507	$	18,997	$	53,742

The aggregate amount of certificates of deposit in denominations of $250,000 or more (the amount which exceeds the FDIC insurance limit) was $2,121,000 and $2,824,000 at June 30, 2017 and 2016, respectively. Certificates of deposit less than $100,000 due within 3 months or less, includes $15.0 million in brokered deposits.

Scheduled maturities of certificates of deposit at June 30, 2017 were as follows:

(In thousands)
The year ended June 30,
2018	$	34,745
2019		7,940
2020		7,436
2021		2,349
2022		1,272
	$	53,742