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

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