http://www.patriotbankia.com/pages/bank/indexcd.jsp Anyone familiar with this product? It's a 5 year CD who's rate of return is equal to 100% of the return of the DJIA. The CD is FDIC insured, there are no fees (except early redemption fees), and you are guaranteed to receive 100% of your principle back if the DJIA is negative (not that it's very likely to happen after 5 years). If you were doing a CD ladder, would you consider this as a viable alternative? A regular 5 year CD right now is yielding 5.50% ($100,000 after 5 years would return $131,650). If you take the lower end of the historical return for the DJIA (say 10% per year) the difference is considerable ($100,000 after 5 years would return $164, 861....more than double the regular CD with ZERO risk!!!). The more I look at this, something has to be wrong. It would give you the same return as the DIA ETF (actually a slightly better return b/c there are no expenses and no commission fees), and you are at ZERO risk. Maybe they don't account for dividends? Thanks in advance.