Diamond Lakes Federal Credit Union

Headquarters: Malvern, Arkansas
Charter: Credit Union
Assets: $79.6M
Fed district: St. Louis

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 10, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Diamond Lakes Federal Credit Union: $32
Diamond Lakes Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Diamond Lakes Federal Credit Union: $32
Diamond Lakes Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Diamond Lakes Federal Credit Union: $1
Diamond Lakes Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Arkansas, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Arkansas: Banks and credit unions headquartered in Arkansas that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Diamond Lakes Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure$15
Inactive Account$5
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement$2
Excessive Withdrawal Fee$5
per item
Returned Statement$10
Not compared: Charged per statement; comparison unavailable
per statement · Returned Statement | $10.00/Statement

Overdraft & NSF

Courtesy Pay$32
per item
Insufficient Funds$32
per item
Returned Item$32
per item
Overdraft Protection Transfer$5
per item

ATM & Card

ATM Transaction (ATM not owned by DLFCU)$1
Excessive ATM withdrawal (over seven (7) per month)$1
Card Replacement$15
per item

Wire Transfers

Outgoing Wire Transfer$20
Incoming Wire Transfer$10

Check Services

Money Order$2
Bill Pay Stop Payment$15
Stop Payment$32
per item
Temporary Checks$1
per item
Check Cashing for Non-Members (On Us Checks $2,000 or more)$10
per item
Check Copies$3
per item

Digital & Electronic

ACH Origination (same day or one time)$20
Bill Pay Overnight Check$15
Bill Pay Same Day Payment$10

Cash & Deposit

Deposited Item Return$32
per item

Account Services

Notary Fee for Non-members$5
Safe Deposit Box Drilling$200
Not compared: Box drilling or key fee
Safe Deposit Box Replacement Key$100
Not compared: Box drilling or key fee
Garnishment$75

Retirement & IRA

IRA Transfer (To other institution)$20

Other Fees

Photocopy$1
per item
Statement Copy$5
per item
Loan Extension$30

Fee	Amount	Basis	Note
Account Maintenance
Account Closure	$15	Not stated	None
Inactive Account	$5	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement	$2	Not stated	None
Excessive Withdrawal Fee	$5	per item	None
Returned Statement	$10Not compared: Charged per statement; comparison unavailable	per statement	Returned Statement \| $10.00/Statement
Overdraft & NSF
Courtesy Pay	$32	per item	None
Insufficient Funds	$32	per item	None
Returned Item	$32	per item	None
Overdraft Protection Transfer	$5	per item	None
ATM & Card
ATM Transaction (ATM not owned by DLFCU)	$1	Not stated	None
Excessive ATM withdrawal (over seven (7) per month)	$1	Not stated	None
Card Replacement	$15	per item	None
Wire Transfers
Outgoing Wire Transfer	$20	Not stated	None
Incoming Wire Transfer	$10	Not stated	None
Check Services
Money Order	$2	Not stated	None
Bill Pay Stop Payment	$15	Not stated	None
Stop Payment	$32	per item	None
Temporary Checks	$1	per item	None
Check Cashing for Non-Members (On Us Checks $2,000 or more)	$10	per item	None
Check Copies	$3	per item	None
Digital & Electronic
ACH Origination (same day or one time)	$20	Not stated	None
Bill Pay Overnight Check	$15	Not stated	None
Bill Pay Same Day Payment	$10	Not stated	None
Cash & Deposit
Deposited Item Return	$32	per item	None
Account Services
Notary Fee for Non-members	$5	Not stated	None
Safe Deposit Box Drilling	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Replacement Key	$100Not compared: Box drilling or key fee	Not stated	None
Garnishment	$75	Not stated	None
Retirement & IRA
IRA Transfer (To other institution)	$20	Not stated	None
Other Fees
Photocopy	$1	per item	None
Statement Copy	$5	per item	None
Loan Extension	$30	Not stated	None

Correct a fee source

Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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