DEPOSITS (Tables)

9 Months Ended

Sep. 30, 2022

DEPOSITS.

Schedule of Customer Deposits Based on Interest

	September 30,		December 31,
	2022		2021
(Millions)
Interest-bearing	$	12,407	$	11,027
Non-interest-bearing (including cardholder credit balances)		37		—
Total deposits	$	12,444	$	11,027

Schedule of Customer Deposits by Deposit Type

	September 30,		December 31,
	2022		2021
(Millions)
Savings accounts
Direct-to-consumer (retail)	$	2,901	$	1,713
Wholesale		3,809		3,873
Certificates of deposit
Direct-to-consumer (retail)		2,275		1,467
Wholesale		3,422		3,974
Cardholder credit balances		37		—
Total deposits	$	12,444	$	11,027

Schedule of Maturities of Certificates of Deposit

The scheduled maturities of certificates of deposit as of September 30, 2022 were as follows:

(Millions)
2022(1)	$	255
2023		3,270
2024		1,268
2025		412
2026		196
Thereafter		296
Total certificates of deposit		5,697

(1) The 2022 balance includes $8 million in unamortized debt issuance costs, which are associated with the entire portfolio of certificates of deposit.