In a bold move that underscores Houston’s spirit of collaboration and community, TDECU, the city’s largest credit union, and Smart Financial Credit Union, one of Houston’s oldest, have announced their intent to merge—uniting two financial legacies under one visionary banner: Two Legacies, One Vision.

Pending regulatory approval and a member vote by Smart Financial, the merger is anticipated to finalize by the first quarter of 2026, creating a powerhouse with nearly $6 billion in assets and more than 460,000 members across Texas.

Stronger Together: Building a Financial Future for Houston

The combined organization will operate 48 branches statewide, led by TDECU President and CEO Isaac Johnson, with Smart Financial CEO LeAnn Kaczynski serving as Chief Integration Officer during the transition. Together, they aim to ensure a seamless integration—one that strengthens the financial well-being of members, employees, and the communities both credit unions proudly serve.

“This partnership isn’t just about growing—it’s about affirming what it means to be a credit union in today’s world,” said Johnson. “By building a stronger, more resilient organization, we’re expanding access to opportunity, deepening community investment, and creating greater prosperity for our members.”

Kaczynski echoed his enthusiasm, emphasizing the shared values behind the merger:

“Leading Smart Financial has been one of the greatest honors of my career. This partnership wasn’t born overnight—it’s the result of years of conversations and shared purpose. Together, TDECU and Smart Financial can create something extraordinary for the communities we serve.”

A Merger Rooted in Community and Purpose

Both credit unions have long histories of giving back. TDECU’s Cares Foundation champions education and innovation through partnerships with the University of Houston, Houston Texans, and Buc-ee’s, while Smart Financial’s philanthropic arm supports organizations like the Houston Children’s Charity and manages naming rights for the Smart Financial Centre, one of the region’s premier entertainment venues.

This merger is more than a financial alignment—it’s a fusion of missions centered on people helping people. The strengthened partnership will amplify outreach efforts, expand financial literacy programs, and create new community initiatives designed to uplift Houstonians and Texans alike.

“As we look ahead, our shared mission remains clear,” said Johnson. “We’re building something enduring—for our members, for our employees, and for the communities we call home.”

Business as Usual—With a Vision for More

For now, members of both institutions can continue banking as usual with no changes to their accounts or services. The transition process will be transparent, with updates shared throughout the coming months as both organizations finalize the details of this exciting merger.

For more information, visit tdecu.org or smartcu.org.

About Smart Financial Credit Union

Founded in 1934 by Houston ISD educators, Smart Financial Credit Union has grown to serve more than 60,000 members with over $800 million in assets across 13 branches in Greater Houston. Known for exceptional member service, Smart Financial offers checking, savings, mortgage, and consumer loan products, along with insurance options through Smart Insurance Group.
Follow Smart Financial on Facebook, Instagram, LinkedIn, and X.

About TDECU

Established in 1955, TDECU is a not-for-profit financial cooperative with more than 399,000 members and $4.9 billion in assets. With over 30 Member Centers across Texas, TDECU offers a comprehensive suite of financial products and services, including deposits, loans, digital banking, wealth management, and insurance through its subsidiaries. Members also enjoy access to over 55,000 surcharge-free ATMs worldwide.
Learn more at tdecu.org or call (800) 839-1154.