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  <xs:element id="fhlbny_TopTenAdvanceHoldersMember" abstract="true" name="TopTenAdvanceHoldersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbny_MetLifeInc.Member" abstract="true" name="MetLifeInc.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbny_MetropolitanLifeInsuranceCompanyMember" abstract="true" name="MetropolitanLifeInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbny_MetropolitanTowerLifeInsuranceCompanyMember" abstract="true" name="MetropolitanTowerLifeInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbny_TeachersIns.AndAnnuityAssocOfAmericaMember" abstract="true" name="TeachersIns.AndAnnuityAssocOfAmericaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbny_FlagstarBankNationalAssociationMember" abstract="true" name="FlagstarBankNationalAssociationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbny_EquitableFinancialLifeInsuranceCompanyMember" abstract="true" name="EquitableFinancialLifeInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbny_GoldmanSachsBankUnitedStatesOfAmericaMember" abstract="true" name="GoldmanSachsBankUnitedStatesOfAmericaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbny_NewYorkLifeInsuranceCompanyMember" abstract="true" name="NewYorkLifeInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbny_MorganStanleyPrivateBankNAMember" abstract="true" name="MorganStanleyPrivateBankNAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbny_ManufacturersAndTradersTrustCompanyMember" abstract="true" name="ManufacturersAndTradersTrustCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbny_GuardianLifeInsuranceCompanyOfAmericaMember" abstract="true" name="GuardianLifeInsuranceCompanyOfAmericaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbny_ThePrudentialInsuranceCompanyOfAmericaMember" abstract="true" name="ThePrudentialInsuranceCompanyOfAmericaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbny_ValleyNationalBankMember" abstract="true" name="ValleyNationalBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
