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    <submissionType>13F-NT</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
      </flags>
      <filer>
        <credentials>
          <cik>0002004832</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>03-31-2026</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>03-31-2026</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>Baxter Credit Union</name>
        <address>
          <ns1:street1>340 N Milwaukee Ave</ns1:street1>
          <ns1:city>Vernon Hills</ns1:city>
          <ns1:stateOrCountry>IL</ns1:stateOrCountry>
          <ns1:zipCode>60061</ns1:zipCode>
        </address>
      </filingManager>
      <reportType>13F NOTICE</reportType>
      <form13FFileNumber>028-23706</form13FFileNumber>
      <otherManagersInfo>
        <otherManager>
          <cik>0002003570</cik>
          <form13FFileNumber>028-23673</form13FFileNumber>
          <crdNumber>000164173</crdNumber>
          <secFileNumber>801-81122</secFileNumber>
          <name>BCU Wealth Advisors, LLC</name>
        </otherManager>
      </otherManagersInfo>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Brett Engel</name>
      <title>Vice President, Finance</title>
      <phone>847-932-8675</phone>
      <signature>/s/ Brett Engel</signature>
      <city>Vernon Hills</city>
      <stateOrCountry>IL</stateOrCountry>
      <signatureDate>04-09-2026</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount/>
      <tableEntryTotal/>
      <tableValueTotal/>
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