Merger Update
Page last updated: September 17, 2026
What the future holds for your Space City accounts
In 2025, Space City Credit Union merged with TDECU. It was a decision that expands our reach: more places to bank, more products to choose from, and the same commitment to helping individuals, families, and communities prosper.
This fall, we will take the last step in our conversion process. Over the weekend of October 31, 2026, your Space City accounts will transfer onto TDECU’s systems. On Monday, November 2, 2026, you will begin banking as a TDECU Member.
Right now, there is nothing you need to do. Keep banking exactly as you do today.
Here is what you can expect from the completed conversion:
- More places to bank
The people working at your Member Center are the people you already know, and every TDECU Member Center will be open to you. - More products and services
Expanded lending options and additional deposit products will be available to you. - More ways to bank
You will have access to a new Digital Banking platform, expanded contact center hours, and additional self-service options.
A few things will change along the way, including some of your account details and how you sign into Digital Banking. We will walk you through every change well before you need to do anything.
Please note:
You will get a new TDECU debit card, but any automatic payments tied to your Space City routing and account number will continue without interruption. And you can continue using your Space City checks.
- Payments that draft from your account. If your utility, insurance, loan or other companies pull payments from your Space City account via ACH, they will keep posting to your new TDECU account automatically. The same goes for direct deposits like your paycheck or benefits. After the conversion we will still honor payments that use your current Space City routing and account number. Please do not change anything with those companies before November 2, 2026, because updating early could cause a payment to be returned. After that date you can update them at your own pace.
- Payments you send through Space City Bill Pay in Digital Banking. Payees and scheduled payments you set up in Space City Bill Pay will not transition to TDECU Digital Banking. Before October 30, 2026, please write down or print your payee list and any scheduled payments. That way you can set them back up quickly when you enroll in TDECU Digital Banking, which opens November 2, 2026. Any Bill Pay payments scheduled for October 31, 2026 or later will not be sent, so plan to schedule those again from your TDECU account.
- Payments charged to your debit card. You will receive a new TDECU debit card late October, before the conversion. If any companies charge your Space City debit card, you will need to give them your new TDECU card number once you activate it.
What happens next
Within the next two weeks, watch your mail and email for a conversion letter and the TDECU Member Handbook, which contains: your new account agreement, the fee schedule, funds availability terms, and required disclosures. We strongly suggest reading and keeping this handbook. Starting November 2, 2026 it will govern your accounts.
We will update this page as more information becomes available.
What is not changing
Most of your banking will be unaffected by this conversion.
| Deposit insurance | Your accounts remain federally insured by the National Credit Union Administration. |
| Account balances | Transfer in full. |
| Credit card | Keep using the card you have today. |
| Recurring credit card charges | Continue without interruption. |
| Loan interest rates, payment amounts and maturity dates | Unchanged. |
| Loan payment due dates | Unchanged. |
| Automatic deposits and payments | Continue to post to your account. |
| Your existing checks | Continue to be honored. |
| Your Member Center | Legacy Space City locations remain open after conversion. |
A few things need your attention before October 30, 2026.
- Please confirm we have your current contact information
Several pieces of mail are coming your way this fall, including your October statement. You can make sure your mailing address, email address and phone number are current in Space City Digital Banking, at any Member Center, or by calling (713) 222-1244. - Plan around the end of shared branching
Monday, October 26, 2026, is the last day a Space City account can be used at another credit union’s shared branch location. Beginning Monday, November 2, 2026, TDECU’s branch network of 35 locations will be available to you. - Get ready for your new Digital Banking
Space City Digital Banking will be available through the end of the day on Saturday, October 31, 2026. TDECU Digital Banking opens to you on Monday, November 2, 2026, and we will send you everything you need to enroll. This is a new Digital Banking platform, and some of the personalized features set up today including Bill Pay will need to be set up again because they will not transfer. - Move any payments scheduled for October 31, 2026, or later
Bill Pay payments and external transfers processed through Digital Banking to accounts at other financial institutions will not be processed if they are dated October 31, 2026, or after. Please reschedule them to send on or before Friday, October 30, 2026. ACH payments, including credits and debits from companies such as mortgage servicers, insurance providers and utility companies, will continue to be processed without interruption. - Save the records you want to retain
Download the statements, notices and transaction history you want to keep through Digital Banking on or before Friday, October 30, 2026. You should also write down your Bill Pay payees, Zelle recipients, scheduled payments and alerts. This information will not transition to TDECU Digital Banking, though a representative can help you gather it after November 2, 2026, should you need assistance. - Watch your mail in October for your Member number and your new debit card
If you are not already a TDECU Member, your new TDECU Member number will arrive late October 2026, and you will need it to enroll in TDECU Digital Banking. If you already bank with TDECU, your TDECU Member number stays the same and your account relationships will merge. Your new account numbers will be in the Digital Banking platform on November 2, 2026. Please do not use your new Member, account or routing number before November 2, 2026, as it will not be active.
You will receive a new TDECU debit card towards the end of October, with activation instructions included. Your Space City debit card works through Sunday, November 1, 2026, and your new TDECU debit card can be activated on Monday, November 2, 2026. If you have a credit card, it stays active with the same rewards structure and there is nothing you need to do. - Plan ahead for conversion weekend
Our Member Centers will be closed Saturday, October 31, 2026, while we transfer your accounts, and Digital Banking will be unavailable that weekend. Space City debit and credit cards will keep working throughout the weekend, and we will open Monday, November 2, 2026, at 9:00am. - Save TDECU Member Care in your contacts
Beginning November 2, 2026, call (800) 839-1154 for account support and assistance.
Please view the TDECU Member Handbook, which contains the account details and fee disclosure that will take effect November 1, 2026.
Conversion Timeline
Here is everything happening between now and conversion weekend, and what we will ask of you along the way. Most items need nothing from you. The ones that do are marked accordingly.
Before conversion
Conversion weekend and after
If you do not download your Spacy City records by October 30, 2026, you can still get them by calling the TDECU Member Care team for assistance.
Frequently Asked Questions
Member and Account Numbers
Members New to TDECU
Will Member and account numbers change?
Yes. Each Member will be assigned a new TDECU Member number, and existing account numbers will be replaced.
When and how will I get my new numbers?
We will send your new Member number late October, 2026, by mail. You will need your Member number to enroll in TDECU Digital Banking on November 2, 2026. Please note the new TDECU Member, account, and TDECU routing numbers are not active until the conversion is complete on November 2, 2026. Please do not make modifications before this date to avoid rejected payments.
Do I need to give my new numbers to my employer or the companies that debit my account?
Not at the time of conversion. We are building your existing account details into the new system so direct deposits and automatic payments keep reaching you. You do not need to contact your employer, the Social Security Administration, your insurance company, or anyone else ahead of the conversion. After November 2, 2026, please begin using your TDECU account and routing details to set up future payments. If anything changes later, we will give you notice and clear instructions well before you need to act.
Does my routing number change?
Keep using routing number 313084807 and your current account number through conversion. Your direct deposits and automatic payments will continue to clear based on funds availability. After November 2, 2026, please begin using your TDECU account and routing details to set up future payments. If anything about that changes later, we will let you know and provide all the instructions you need.
Members With an Existing TDECU Relationship
Certain Members maintain accounts with both Space City Credit Union and TDECU. The following applies to those Members only.
How will the two relationships be combined?
Accounts will be consolidated into a single TDECU membership. The TDECU relationship will be the surviving relationship. The address you have on file at TDECU will remain.
Will the TDECU Member number change?
No. The existing TDECU Member number will remain unchanged.
What happens to Space City accounts?
All existing Space City shares and loans will be migrated under the TDECU membership. Members will hold a single consolidated relationship rather than two separate memberships.
What if beneficiary designations differ between the two memberships?
Beneficiary designation is at the account level, and not dependent on the membership. Beneficiary information will transition with the account migration.
Checking and Savings
Does my balance transfer?
Yes. Your full balance transfers, including any dividends earned through the conversion date. Your deposits remain federally insured by the NCUA.
Will my account type change?
Your account converts to the closest matching TDECU account. Your Star Savings becomes a TDECU Main Share, Star Checking becomes Free Checking, and your club, youth, and money market accounts convert to their TDECU equivalents.
When will my deposits be available?
Funds availability moves to TDECU’s policy on November 2, 2026. Most deposits are available the next business day, with the first $275 of a deposit available the next business day. Your mailed disclosures contain the full policy.
Personal Checks
Can I still use my Space City checks?
Yes. Keep using the checks you have. Checks you write before conversion clear normally, and checks written after conversion continue to post to your account. If anything about that changes later, we will give you notice and clear instructions well before you need to act.
Can I order more Space City checks before the conversion?
Yes. However, we recommend waiting until after November 2, 2026, if possible so your checks have your TDECU account number. We can provide you with up to 12 complimentary temporary checks to last through conversion.
Can I get a cashier’s check during conversion weekend?
Get any cashier’s or corporate check you need by Friday, October 30, 2026. Member Centers are closed Saturday, October 31, 2026, and reopen Monday, November 2, 2026. We can resume this service at that time.
Rates and Fees
Do my dividend rates change?
Deposit accounts move to TDECU’s published rate schedule upon conversion. Current TDECU rates are posted at TDECU.org.
Will fees change?
Yes. Space City accounts will be subject to the TDECU fee schedule, which can be found in the TDECU Member Handbook and at TDECU.org.
Certificates and IRAs
Does my certificate rate or maturity date change?
No. Your certificate keeps its rate, its term, and its maturity date, and converts to the matching TDECU certificate. It transfers with a new account number and nothing else changes.
I have a 30-month certificate. What happens to it?
TDECU does not offer a 30-month term. Your certificate is honored to maturity, and we will contact you before it matures with your options.
What happens at renewal?
When your certificate matures after conversion, it renews into the comparable TDECU certificate at TDECU’s then-current rate. You will receive a maturity notice with your options before that happens.
Do my IRA contributions and beneficiaries transfer?
Yes. Your IRA balance, contribution history, and beneficiary designations transfer. Your traditional, Roth, and Coverdell accounts map to their TDECU equivalents. Your tax reporting for 2026 is not affected by the conversion.
Sunsetting Programs
The following programs will be discontinued in connection with the conversion.
What will happen to my uChoose Debit Card Rewards?
Rewards will be discontinued effective October 30, 2026. Members should redeem accumulated points prior to that date. Points not redeemed by October 30, 2026, will be forfeited.
What will happen with my Save to Win account?
Save to Win accounts will be discontinued effective September 30, 2026. Save to Win certificates will convert to TDECU as 12 month certificates. The final drawing will be held October 2026.
What will happen to the Love My Credit Union Rewards program?
Rewards will be discontinued for Space City Members effective October 30, 2026.
Branch Locations and ATMs
Will I still be able to access shared branching?
Shared branching will be discontinued for Space City members effective October 26, 2026.
Will Space City branch locations remain open?
Yes. Existing locations and hours of operation will remain unchanged.
Will branch staffing change?
No. Existing branch teams will become part of TDECU.
What additional locations are available to Members?
Members have access to 35 TDECU Member Centers, as well as more than 55,000 surcharge-free Allpoint ATMs nationwide. Find an ATM near you at https://www.tdecu.org/find-a-location-atm/.
Digital Banking
Online and Mobile Banking
Does my Space City online banking login carry over?
No. TDECU Digital Banking is a different platform, and you will need to enroll as a new user. Starting November 2, 2026, enroll at TDECU.org or in the TDECU mobile app using your TDECU Member number. We will email you instructions November 2, 2026.
What does not carry over?
Your username and password, Bill Pay payees, scheduled bill payments, saved external accounts, alerts, account nicknames, and Zelle® recipients will need to be set up again.
Your statements, notices, tax forms, and past transaction history will not move into TDECU Digital Banking. Download anything you want to keep before October 30, 2026. After that, we can retrieve records for you, but you will not be able to see them online yourself.
When is Space City digital banking shut off?
Saturday, October 31, 2026, is the last day you can sign in to Space City online banking or the Space City mobile app.
When is the last day for mobile deposit?
Thursday, October 29, 2026. Mobile deposit resumes in the TDECU app on November 2, 2026. Deposits between those dates can be made at a Member Center through Friday, October 30, 2026.
Do I need a different mobile app?
Yes. Download the TDECU app from the App Store or Google Play on or after November 2, 2026.
Will I need to re-enroll in eStatements?
Yes. The final Space City account statement for October 2026 will arrive in the mail. This will be a paper statement. To enroll in electronic statements, please enroll in TDECU digital banking on November 2, 2026 to select your preference for Estatements.
What about existing TDECU members with Digital Banking?
Existing TDECU members will see their migrated Space City accounts under their current log in.
How do Members enroll in TDECU Digital Banking?
Beginning November 2, 2026, Members may enroll at TDECU.org or on the TDECU mobile application, available in the App Store and Google Play. Enrollment requires your new TDECU Member number. Please make sure to save the number in a secure place once it is provided to you.
Will transaction history be available?
Historical transaction data will not appear in TDECU Digital Banking. Members should retain any needed records prior to October 30, 2026. Members should reference monthly statements for their historical activity and download or print any records they wish to retain. If you need assistance accessing your documents following the conversion, please contact TDECU.
Will eStatements and account alerts transfer?
No. Members must re-enroll in eStatements and eNotices and re-establish account alerts following conversion. Balance and transaction alerts will not be delivered until they are re-established.
Electronic Transactions and Direct Deposit
Will existing electronic transactions continue to post?
Yes. Existing electronic ACH debits and credits will continue to be processed to your new TDECU account. This includes direct deposits, automatic drafts, and other recurring electronic items already established.
Will the routing number change?
Yes. The TDECU routing number is 313185515. Please do not update the routing number associated with your current Space City account number prior to November 2, 2026. Premature changes may result in transactions being rejected and returned.
Should Members update direct deposit instructions?
Yes, but not before November 2, 2026. Members are asked not to submit changes to their employer or other originator until instructed to do so. Premature changes may result in transactions being rejected and returned.
Will automatic transfers between a Member’s own accounts continue?
If your automatic payment was set up with us at a branch or by phone, it continues without interruption. If you set up an automatic transfer inside Space City online banking, it does not carry over, and you will need to set it up again in TDECU Digital Banking on November 2, 2026.
Will wire transfer services change?
Yes. Beginning November 2, 2026, outgoing wire requests can be handled at any TDECU Member center or by calling Member Care for assistance. Incoming wire transfer services will sunset with Space City at the close of business on October 30, 2026. Effective November 2, 2026, Members should update any incoming wire transfer instructions with TDECU’s routing number, and your new account number will help ensure incoming and outgoing wire transfers are processed correctly and without interruption.
Personal Checks
Will existing Space City checks continue to be honored through conversion?
Existing personal checks will continue to be honored unless otherwise notified. Members will receive a notification regarding when and how to order replacement checks with their new account information.
Consumer Loans and Mortgages
Do my loan terms change?
No. Your fixed-rate, payment amount, due date, maturity date, and payoff terms all stay exactly the same. Only your loan account number changes.
My loan payment comes out of my account automatically. Does that continue?
If your automatic payment was set up with us at a branch or by phone, it continues without interruption. If you set up a recurring transfer to your loan inside Space City online banking, it does not carry over, and you will need to set it up again in TDECU Digital Banking on November 2, 2026.
I pay my loan from an account at another financial institution. What do I need to do?
If we pull the payment from your other account, it continues automatically. If you send the payment from the other institution’s Bill Pay, update the account number after November 2, 2026, once you have your new number. Payments sent to your old loan number continue to post.
Can I still pay my loan online without logging in?
The Space City online payment tool is available through Friday, October 30, 2026. Starting November 2, 2026, use the Make a Payment link on TDECU.org.
Does the conversion affect my credit report?
Your loans continue to report with their original open dates and payment history. The conversion itself does not change your credit standing or add a new inquiry.
Will loan terms for current loans change?
No. Fixed rates, payment amounts, and maturity dates will remain unchanged.
Will payment due dates for existing loans change? No. Existing payment due dates will remain in effect.
Where should loan payments be directed following conversion?
Payments may be submitted via your TDECU Digital Banking, online at TDECU.org/MakeAPayment by telephone, or in person at any TDECU Member Center beginning November 2, 2026.
TDECU
Attention Loan Operations
2000 Post Oak Blvd Ste. 2100
Houston, TX 77056
Debit and Credit Cards
Debit Cards
Will Members receive a new debit card at conversion?
Yes. New TDECU debit cards will be issued to Members in late October, 2026. Please update any payment information previously tied to your Space City debit card.
Will personal identification numbers change?
Yes. New PIN numbers will need to be set for your TDECU debit card.
Will recurring charges and subscriptions be affected?
Yes. Please update any payment information previously tied to your Space City debit card to include your new TDECU debit card number.
What is happening to Space City ATMs?
Space City ATMs are being replaced with TDECU machines. Expect some downtime around the conversion, and a few functions may not be available right away. You also have access to TDECU’s surcharge-free All-Point ATM network.
Credit Cards
Does my BTFCU MasterCard change?
No. Your Mastercard is serviced separately from your checking and savings accounts, so the conversion will not affect it. Your card, card number, rate, limit, and due date will remain the same. Continue managing your account through the BTFCU Credit Card website and earning uChoose Rewards points on eligible purchases. We’ll notify you in advance of any future changes.
What happens with my Elan Visa Credit Card?
The Elan Visa credit card is owned and managed by Elan Financial Services. Please route all Elan credit card requests directly to Elan. For assistance, call 1-800-558-3424 or access your card online through the Elan Visa Credit Card website.
Trustage Insurance
Will a Member’s complimentary Accidental Death & Dismemberment (AD&D) coverage continue after the conversion?
Yes. The coverage will continue under TDECU’s AD&D group policy through TruStage.
What if the Member has complimentary Accidental Death & Dismemberment (AD&D) coverage with Space City and TDECU?
The Member will retain $2,000 complimentary AD&D coverage through TDECU’s AD&D group policy.
What happens if a Member has Member-paid AD&D coverage?
The coverage will continue following the conversion under TDECU’s AD&D group policy with TruStage. The coverage and premium will remain unchanged, however, the certificate number will change.
Will the Member need to update payment information for member-paid AD&D coverage?
Some members may need to update the payment information following conversion if the payment account used for AD&D premium payments is changing. Please review the “Will the routing number change” and “Should Members update direct deposit instructions?” for additional information and timelines.
Will the Member’s AD&D certificate number change?
Yes. The Member can get their new certificate number by contacting TruStage after the conversion.
Who should the Member contact with questions about TruStage products, including AD&D policies, certificate numbers, beneficiaries, or payments?
Please contact TruStage directly at (800) 356-2644.
I have AD&D coverage through Space City. What happens?
Your coverage moves to TDECU’s group policy with TruStage. You keep $2,000 of basic coverage at no cost. If you hold coverage through both Space City and TDECU today, the two are not added together.
Security
How do I know a message about the conversion is really from you?
We will never call, text, or email you to ask for your password, full account number, Social Security number, or a one-time code. Conversion emails will always direct you to spacecitycu.com or TDECU.org. If a message asks you to confirm your personal information, it is not from us. Call 713-222-1244 if you receive a suspicious message.
Is my money safe during the conversion?
Yes. Your deposits stay federally insured by the National Credit Union Administration throughout.
