6 banks and credit unions have branches in Tehachapi. The Bank Fee Index holds published fees for 6 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from California
Tehachapi counts institutions with a branch here, wherever headquartered. California counts institutions headquartered in the state.
Tehachapi
5 institutions with a branch here
$3
California
120 institutions headquartered in California
$7.23
U.S.
1,903 institutions in the index
$7
Chosen as the fee whose Tehachapi median sits furthest from California's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Tehachapi with California and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Two published overdraft fees: $30.
Medians for reference: California $25 · U.S. $30
Local median not shown; five institutions required.
6 institutions, 2 with a published overdraft fee.
Bank · based in Porterville, CA · 1 branch here
Bank · based in Chicago, IL · 1 branch here
Credit union, membership rules apply · based in Ridgecrest, CA · 1 branch here
Credit union, membership rules apply · based in Oxnard, CA · 1 branch here
Account not yet known
“Overdraft Privilege (Courtesy Pay Program) A fee of $30.00 for each check, ACH payment, recurring debit card payment, everyday debit card and ATM transaction, and other items Ocean”
Credit union, membership rules apply · based in Bakersfield, CA · 1 branch here
Account not yet known
“The Courtesy Pay program fee is $30 and will be charged regardless of the amount the account is overdrawn. The fee will be charged for each overdraft item presented and paid by the”
Credit union, membership rules apply · based in Bakersfield, CA · 1 branch here
Largest banks by local bank deposits
Share of the $245 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Kern County
Deposits and branches cover the City of Tehachapi. Population and income cover Kern County, the county with most of Tehachapi's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Kern County.
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