Although CD rates have dippedslightly from this time last year, credit unions continue to offerthe best CD rates in the U.S., according to a recent survey byGoBankingRates.com.

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The average rates for a six-month CD at credit unions havedropped from .31% in 2012 to .28% this year, while bank rates for asix-month CD have shifted from .21% last year to .17% in 2013, saidthe Los Angeles-based personal finance website.

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