7. Deposits

Deposits balances are summarized as follows:


	September 30,		December 31,
	2020		2019
Noninterest bearing demand deposits	$	251,568	$	179,236
Interest bearing accounts:
NOW		126,653		95,572
Savings		148,591		121,139
Money market		178,905		158,747
Time certificates of deposit		210,478		218,649
Total interest bearing accounts		664,627		594,107
Total deposits	$	916,195	$	773,343

Included in time certificates of deposit at September 30, 2020 and December 31, 2019 were reciprocal deposits totaling $32,236 and $21,270, respectively, with original maturities of one to three years. Time certificates of deposit in denominations of $250 or greater were $36,286 and $44,605 as of September 30, 2020 and December 31, 2019, respectively.

Contractual maturities of time certificates of deposit at September 30, 2020 are summarized below:


	September 30,
	2020
Within 1 year	$	135,144
1 – 2 years		50,548
2 – 3 years		8,332
3 – 4 years		7,625
4 – 5 years		8,829
Total	$	210,478