I have most of my IRAs invested in FDIC insured bank CD's through two brokerage firms, Fidelity and H&R Block. I read an article recently that indicated that for CD's purchased through brokerage firms, if the bank failed, I would receive the market value of a CD invested in that bank. I was under the impression that I would receive the full amount that I had invested, regardless of the market value of the CD. In a bank failure would I be forced to cash in the CD for market value or could I let it mature and receive the full value plus interest? Does anyone have an answer?