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Credit unions are trumping banks when it comes to average certificate rates, according to a new GoBankingRates.com study. Rates on $10,000 certificates are 44% higher at credit unions than at banks, said the Los Angeles-based personal banking website.

The study found that the top CD rates were  offered by the $400 million, 42,000-member America’s Credit Union at Joint Base Lewis-McChord, Wash., and the $147 million, 2,900-member Montauk Credit Union in New York City.

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