1. A computer-based method for determining a value of an index-offset deposit product, comprising the steps of: a) determining a cost for an equity-linked credit component and a cost for a fixed-income-linked credit component a. such that a total index credit comprises a sum of said equity-linked credit component and said fixed-income linked credit component and is at least equal to a specific guaranteed amount; b) summing said equity-linked credit component cost, said fixed-income-linked credit component cost, and a present value of principal to determine said value of said index-offset deposit product and c) displaying said value of said index-offset deposit product.