Deposits

Deposits are summarized as follows:



	December 31, 2015				December 31, 2014
	Carrying Amount		Weighted Average Rate		Carrying Amount		Weighted Average Rate
	(Dollars in thousands)
Non-interest bearing checking	$	323,956	—	%	$	291,248	—	%
Interest bearing checking	314,506		0.06		305,004		0.06
Total checking accounts	638,462		0.03		596,252		0.03
Money market accounts	482,028		0.24		455,594		0.20
Certificates of deposit	390,320		0.62		447,213		0.52
Regular savings	327,563		0.10		312,544		0.10
Advance payments by borrowers for taxes and insurance	2,351		0.03		2,568		0.07
Total deposits	$	1,840,724	0.22	%	$	1,814,171	0.21	%

The Bank has previously entered into agreements with certain brokers that will provide deposits obtained from their customers at specified interest rates for an identified fee (“brokered deposits”). Deposits gathered through the Certificate of Deposit Account Registry Service ("CDARS") are considered to be brokered deposits for regulatory purposes. There were no active brokered deposit arrangements or outstanding brokered deposits at December 31, 2015 and 2014.

Annual maturities of certificates of deposit outstanding at December 31, 2015 are summarized as follows:



	Amount
	(In thousands)
Matures During Year Ending December 31,
2016	$	236,887
2017	99,987
2018	27,922
2019	13,260
2020	12,264
Total	$	390,320

Certificates of deposit with balances greater than or equal to the FDIC insurance limit of $250,000 totaled $7.4 million and $7.9 million at December 31, 2015 and 2014, respectively.