<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019d6dff-4617-710d-8081-ebc3929b70e8,g:c340be9d-ee3d-463d-958e-c97e65800b3f-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"/>
  <link:roleRef roleURI="http://www.fhlbny.com/role/StatementsofCapital" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#StatementsofCapital"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/StatementsofCapital" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019d9f7e-1bc4-73b1-9fbf-490d7489fbcc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019d9f7e-1bc4-773b-af88-599f8c649341" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_019d9f7e-1bc4-73b1-9fbf-490d7489fbcc" xlink:to="loc_us-gaap_StatementTable_019d9f7e-1bc4-773b-af88-599f8c649341" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019d9f7e-1bc4-7c16-8cbd-1b1bf920927f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_019d9f7e-1bc4-773b-af88-599f8c649341" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019d9f7e-1bc4-7c16-8cbd-1b1bf920927f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019d9f7e-1bc4-7c16-8cbd-1b1bf920927f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019d9f7e-1bc4-7c16-8cbd-1b1bf920927f" xlink:to="loc_us-gaap_EquityComponentDomain_019d9f7e-1bc4-7c16-8cbd-1b1bf920927f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019d9f7e-1bc4-70de-ac09-3965d900fa58" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019d9f7e-1bc4-7c16-8cbd-1b1bf920927f" xlink:to="loc_us-gaap_EquityComponentDomain_019d9f7e-1bc4-70de-ac09-3965d900fa58" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019d9f7e-1bc4-7f6b-af75-64553b912fed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019d9f7e-1bc4-70de-ac09-3965d900fa58" xlink:to="loc_us-gaap_CommonStockMember_019d9f7e-1bc4-7f6b-af75-64553b912fed" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_019d9f7e-1bc4-7995-a2e6-3d2476b6ae0c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019d9f7e-1bc4-70de-ac09-3965d900fa58" xlink:to="loc_us-gaap_RetainedEarningsMember_019d9f7e-1bc4-7995-a2e6-3d2476b6ae0c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsUnappropriatedMember_019d9f7e-1bc4-74ac-9a46-1b188f3e174c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsUnappropriatedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetainedEarningsMember_019d9f7e-1bc4-7995-a2e6-3d2476b6ae0c" xlink:to="loc_us-gaap_RetainedEarningsUnappropriatedMember_019d9f7e-1bc4-74ac-9a46-1b188f3e174c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAppropriatedMember_019d9f7e-1bc4-7100-88c2-a361e8ef5ee2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsAppropriatedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetainedEarningsMember_019d9f7e-1bc4-7995-a2e6-3d2476b6ae0c" xlink:to="loc_us-gaap_RetainedEarningsAppropriatedMember_019d9f7e-1bc4-7100-88c2-a361e8ef5ee2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019d9f7e-1bc4-7069-a316-ef8cd5c866eb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019d9f7e-1bc4-70de-ac09-3965d900fa58" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019d9f7e-1bc4-7069-a316-ef8cd5c866eb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019d9f7e-1bc4-792d-9ee8-c5652b356373" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019d9f7e-1bc4-73b1-9fbf-490d7489fbcc" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019d9f7e-1bc4-792d-9ee8-c5652b356373" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_019d9f7e-1bc4-71d7-a2d0-32e5ae76cfdd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019d9f7e-1bc4-792d-9ee8-c5652b356373" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_019d9f7e-1bc4-71d7-a2d0-32e5ae76cfdd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019d9f7e-1bc4-7044-963f-e7f3abf1fe5e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019d9f7e-1bc4-792d-9ee8-c5652b356373" xlink:to="loc_us-gaap_StockholdersEquity_019d9f7e-1bc4-7044-963f-e7f3abf1fe5e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_019d9f84-1367-7874-9d89-f1adddb52d36" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019d9f7e-1bc4-792d-9ee8-c5652b356373" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_019d9f84-1367-7874-9d89-f1adddb52d36" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_019d9f84-1367-76d4-b819-1403b0e51d65" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019d9f7e-1bc4-792d-9ee8-c5652b356373" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_019d9f84-1367-76d4-b819-1403b0e51d65" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_019d9f85-6521-77dc-aa25-b0bc6a45eef4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodShares"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019d9f7e-1bc4-792d-9ee8-c5652b356373" xlink:to="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_019d9f85-6521-77dc-aa25-b0bc6a45eef4" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_019d9f85-df2a-7849-b8b6-81f7a48f998d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019d9f7e-1bc4-792d-9ee8-c5652b356373" xlink:to="loc_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_019d9f85-df2a-7849-b8b6-81f7a48f998d" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetSharesReclassifiedToMandatorilyRedeemableCapitalStockShares_019d9f90-4104-7a33-97d9-14be1ca95da4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetSharesReclassifiedToMandatorilyRedeemableCapitalStockShares"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019d9f7e-1bc4-792d-9ee8-c5652b356373" xlink:to="loc_us-gaap_NetSharesReclassifiedToMandatorilyRedeemableCapitalStockShares_019d9f90-4104-7a33-97d9-14be1ca95da4" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetSharesReclassifiedToMandatorilyRedeemableCapitalStockValue_019d9f90-4104-7ec5-bc4f-c47751630d50" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetSharesReclassifiedToMandatorilyRedeemableCapitalStockValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019d9f7e-1bc4-792d-9ee8-c5652b356373" xlink:to="loc_us-gaap_NetSharesReclassifiedToMandatorilyRedeemableCapitalStockValue_019d9f90-4104-7ec5-bc4f-c47751630d50" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCommonStockCash_019d9f7e-1bc4-7392-a67f-8f0ce9d782af" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DividendsCommonStockCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019d9f7e-1bc4-792d-9ee8-c5652b356373" xlink:to="loc_us-gaap_DividendsCommonStockCash_019d9f7e-1bc4-7392-a67f-8f0ce9d782af" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeLossNetOfFederalHomeLoanBankAssessmentsAttributableToParent_019d9f7e-1bc4-7f5e-9e45-897e0a3315b3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeLossNetOfFederalHomeLoanBankAssessmentsAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019d9f7e-1bc4-792d-9ee8-c5652b356373" xlink:to="loc_us-gaap_ComprehensiveIncomeLossNetOfFederalHomeLoanBankAssessmentsAttributableToParent_019d9f7e-1bc4-7f5e-9e45-897e0a3315b3" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_019d9f7e-1bc4-7d93-a723-4e012bcc8f52" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019d9f7e-1bc4-715b-a6c2-097ba87b0f99" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/TradingSecuritiesScheduleofMajorSecurityTypesofTradingSecuritiesDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#TradingSecuritiesScheduleofMajorSecurityTypesofTradingSecuritiesDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/TradingSecuritiesScheduleofMajorSecurityTypesofTradingSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_019d9fcd-9151-72a0-8c03-bdd78dee2ad2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_019d9fcd-9151-7af6-948b-c5c5b1e86f15" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_019d9fcd-9151-72a0-8c03-bdd78dee2ad2" xlink:to="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_019d9fcd-9151-7af6-948b-c5c5b1e86f15" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019d9fcd-9151-75d7-9356-cd5d13e522c8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_019d9fcd-9151-7af6-948b-c5c5b1e86f15" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019d9fcd-9151-75d7-9356-cd5d13e522c8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fcd-9151-75d7-9356-cd5d13e522c8_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9fcd-9151-75d7-9356-cd5d13e522c8" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fcd-9151-75d7-9356-cd5d13e522c8_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fcd-9151-79c5-bbba-9f78c3f37296" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9fcd-9151-75d7-9356-cd5d13e522c8" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fcd-9151-79c5-bbba-9f78c3f37296" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasuryNotesSecuritiesMember_019d9fcd-9151-723c-b7c0-53e7a11218b0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USTreasuryNotesSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fcd-9151-79c5-bbba-9f78c3f37296" xlink:to="loc_us-gaap_USTreasuryNotesSecuritiesMember_019d9fcd-9151-723c-b7c0-53e7a11218b0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_019d9fcd-9151-7b87-aedb-4ccff4be1625" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_019d9fcd-9151-72a0-8c03-bdd78dee2ad2" xlink:to="loc_us-gaap_TradingSecuritiesDebt_019d9fcd-9151-7b87-aedb-4ccff4be1625" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/TradingSecuritiesScheduleofRedemptionTermsoftheMajorTypesofTradingSecuritiesDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#TradingSecuritiesScheduleofRedemptionTermsoftheMajorTypesofTradingSecuritiesDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/TradingSecuritiesScheduleofRedemptionTermsoftheMajorTypesofTradingSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_019d9fcd-b451-7f17-a432-4578e6de86b2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_019d9fcd-b451-74d1-8ce1-df7b43577902" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_019d9fcd-b451-7f17-a432-4578e6de86b2" xlink:to="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_019d9fcd-b451-74d1-8ce1-df7b43577902" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019d9fcd-b451-7df8-8ac9-a697ab32b0b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_019d9fcd-b451-74d1-8ce1-df7b43577902" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019d9fcd-b451-7df8-8ac9-a697ab32b0b9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fcd-b451-7df8-8ac9-a697ab32b0b9_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9fcd-b451-7df8-8ac9-a697ab32b0b9" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fcd-b451-7df8-8ac9-a697ab32b0b9_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fcd-b451-77ae-b2b8-bd9a4d3b68e9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9fcd-b451-7df8-8ac9-a697ab32b0b9" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fcd-b451-77ae-b2b8-bd9a4d3b68e9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasuryNotesSecuritiesMember_019d9fcd-b451-7365-951d-4c64f7309896" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USTreasuryNotesSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fcd-b451-77ae-b2b8-bd9a4d3b68e9" xlink:to="loc_us-gaap_USTreasuryNotesSecuritiesMember_019d9fcd-b451-7365-951d-4c64f7309896" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_TradingSecuritiesDebtMaturitiesNextRollingMaturityAbstract_019d9fcd-b451-7813-8d84-370d44fec45c" xlink:href="fhlbny-20260630.xsd#fhlbny_TradingSecuritiesDebtMaturitiesNextRollingMaturityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_019d9fcd-b451-7f17-a432-4578e6de86b2" xlink:to="loc_fhlbny_TradingSecuritiesDebtMaturitiesNextRollingMaturityAbstract_019d9fcd-b451-7813-8d84-370d44fec45c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DebtSecuritiesTradingSecuritiesMaturityYearOneFairValue_019d9fcd-b451-77c0-ada7-e8a05378a9ef" xlink:href="fhlbny-20260630.xsd#fhlbny_DebtSecuritiesTradingSecuritiesMaturityYearOneFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_TradingSecuritiesDebtMaturitiesNextRollingMaturityAbstract_019d9fcd-b451-7813-8d84-370d44fec45c" xlink:to="loc_fhlbny_DebtSecuritiesTradingSecuritiesMaturityYearOneFairValue_019d9fcd-b451-77c0-ada7-e8a05378a9ef" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DebtSecuritiesTradingSecuritiesMaturityAfterYearOneThroughFiveFairValue_019d9fcd-b451-7c9a-8e08-ce7f077418f3" xlink:href="fhlbny-20260630.xsd#fhlbny_DebtSecuritiesTradingSecuritiesMaturityAfterYearOneThroughFiveFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_TradingSecuritiesDebtMaturitiesNextRollingMaturityAbstract_019d9fcd-b451-7813-8d84-370d44fec45c" xlink:to="loc_fhlbny_DebtSecuritiesTradingSecuritiesMaturityAfterYearOneThroughFiveFairValue_019d9fcd-b451-7c9a-8e08-ce7f077418f3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_019d9fcd-b451-7d30-8d72-2ccf451b3444" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_TradingSecuritiesDebtMaturitiesNextRollingMaturityAbstract_019d9fcd-b451-7813-8d84-370d44fec45c" xlink:to="loc_us-gaap_TradingSecuritiesDebt_019d9fcd-b451-7d30-8d72-2ccf451b3444" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DebtSecuritiesTradingSecuritiesMaturityPercentageDueYearOne_019d9fcd-b451-71a4-ae32-3f43a1e7faf3" xlink:href="fhlbny-20260630.xsd#fhlbny_DebtSecuritiesTradingSecuritiesMaturityPercentageDueYearOne"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_019d9fcd-b451-7f17-a432-4578e6de86b2" xlink:to="loc_fhlbny_DebtSecuritiesTradingSecuritiesMaturityPercentageDueYearOne_019d9fcd-b451-71a4-ae32-3f43a1e7faf3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DebtSecuritiesTradingSecuritiesMaturityPercentageDueAfterYearOneThroughFive_019d9fcd-b451-7294-9b93-c9dcf757d3da" xlink:href="fhlbny-20260630.xsd#fhlbny_DebtSecuritiesTradingSecuritiesMaturityPercentageDueAfterYearOneThroughFive"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_019d9fcd-b451-7f17-a432-4578e6de86b2" xlink:to="loc_fhlbny_DebtSecuritiesTradingSecuritiesMaturityPercentageDueAfterYearOneThroughFive_019d9fcd-b451-7294-9b93-c9dcf757d3da" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DebtSecuritiesTradingSecuritiesMaturityPercentage_019df88d-2961-7c2f-808d-6b0aab6c4674" xlink:href="fhlbny-20260630.xsd#fhlbny_DebtSecuritiesTradingSecuritiesMaturityPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_019d9fcd-b451-7f17-a432-4578e6de86b2" xlink:to="loc_fhlbny_DebtSecuritiesTradingSecuritiesMaturityPercentage_019df88d-2961-7c2f-808d-6b0aab6c4674" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/EquityInvestmentsDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#EquityInvestmentsDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/EquityInvestmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_019d9fd7-5777-7b0a-8aa9-9b13ca63a6e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_019d9fd7-5777-739d-bb3b-2e4d5857dcca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_019d9fd7-5777-7b0a-8aa9-9b13ca63a6e1" xlink:to="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_019d9fd7-5777-739d-bb3b-2e4d5857dcca" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019d9fd7-5777-7bd3-ab25-71ea68d9e416" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_019d9fd7-5777-739d-bb3b-2e4d5857dcca" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019d9fd7-5777-7bd3-ab25-71ea68d9e416" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fd7-5777-7bd3-ab25-71ea68d9e416_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9fd7-5777-7bd3-ab25-71ea68d9e416" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fd7-5777-7bd3-ab25-71ea68d9e416_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fd7-5777-7e07-9881-f2ef8d1388b4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9fd7-5777-7bd3-ab25-71ea68d9e416" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fd7-5777-7e07-9881-f2ef8d1388b4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashEquivalentsMember_019d9fd7-5777-7805-a01d-46e34cfdacd9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashEquivalentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fd7-5777-7e07-9881-f2ef8d1388b4" xlink:to="loc_us-gaap_CashEquivalentsMember_019d9fd7-5777-7805-a01d-46e34cfdacd9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityFundsMember_019d9fd7-5777-7869-b1af-568a9458b3fe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityFundsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fd7-5777-7e07-9881-f2ef8d1388b4" xlink:to="loc_us-gaap_EquityFundsMember_019d9fd7-5777-7869-b1af-568a9458b3fe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedIncomeFundsMember_019d9fd7-5777-7a4e-bbc3-f9ca41656d77" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FixedIncomeFundsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fd7-5777-7e07-9881-f2ef8d1388b4" xlink:to="loc_us-gaap_FixedIncomeFundsMember_019d9fd7-5777-7a4e-bbc3-f9ca41656d77" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCost_019d9fd7-5777-7bee-9773-0a594f5ca1c5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesFvNiCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_019d9fd7-5777-7b0a-8aa9-9b13ca63a6e1" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCost_019d9fd7-5777-7bee-9773-0a594f5ca1c5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiUnrealizedGain_019d9fd7-5777-7452-8226-e25ffd05bc7d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesFvNiUnrealizedGain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_019d9fd7-5777-7b0a-8aa9-9b13ca63a6e1" xlink:to="loc_us-gaap_EquitySecuritiesFvNiUnrealizedGain_019d9fd7-5777-7452-8226-e25ffd05bc7d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiUnrealizedLoss_019d9fd7-5777-7764-8381-19b8a67199a5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesFvNiUnrealizedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_019d9fd7-5777-7b0a-8aa9-9b13ca63a6e1" xlink:to="loc_us-gaap_EquitySecuritiesFvNiUnrealizedLoss_019d9fd7-5777-7764-8381-19b8a67199a5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019d9fd7-5777-7add-840c-fae5413473c2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_019d9fd7-5777-7b0a-8aa9-9b13ca63a6e1" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019d9fd7-5777-7add-840c-fae5413473c2" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/AvailableforSaleSecuritiesScheduleAmortizedCosttoFairValuebyMajorSecurityTypesandOtherIncomeActivityfromGrantorTrustDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#AvailableforSaleSecuritiesScheduleAmortizedCosttoFairValuebyMajorSecurityTypesandOtherIncomeActivityfromGrantorTrustDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/AvailableforSaleSecuritiesScheduleAmortizedCosttoFairValuebyMajorSecurityTypesandOtherIncomeActivityfromGrantorTrustDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fe7-c0f8-758d-8297-a1ce669981f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019d9fe7-c0f8-7b47-92d9-e95b5f8c7afb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fe7-c0f8-758d-8297-a1ce669981f4" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019d9fe7-c0f8-7b47-92d9-e95b5f8c7afb" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019d9fe7-c0f8-7119-973c-376410d46cc2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019d9fe7-c0f8-7b47-92d9-e95b5f8c7afb" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019d9fe7-c0f8-7119-973c-376410d46cc2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fe7-c0f8-7119-973c-376410d46cc2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9fe7-c0f8-7119-973c-376410d46cc2" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fe7-c0f8-7119-973c-376410d46cc2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fe7-c0f8-7c8f-8bce-39bc6b385f0f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9fe7-c0f8-7119-973c-376410d46cc2" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fe7-c0f8-7c8f-8bce-39bc6b385f0f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_HousingAndU.S.ObligationsMember_019d9fe7-c0f8-7185-a2c3-88a4dade5553" xlink:href="fhlbny-20260630.xsd#fhlbny_HousingAndU.S.ObligationsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fe7-c0f8-7c8f-8bce-39bc6b385f0f" xlink:to="loc_fhlbny_HousingAndU.S.ObligationsMember_019d9fe7-c0f8-7185-a2c3-88a4dade5553" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_AssetBackedSecuritiesBeforeHedgingAdjustmentsMember_019d9fe7-c0f8-7415-b25a-99325846b615" xlink:href="fhlbny-20260630.xsd#fhlbny_AssetBackedSecuritiesBeforeHedgingAdjustmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fe7-c0f8-7c8f-8bce-39bc6b385f0f" xlink:to="loc_fhlbny_AssetBackedSecuritiesBeforeHedgingAdjustmentsMember_019d9fe7-c0f8-7415-b25a-99325846b615" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_AssetBackedSecuritiesFloatingMember_019d9fe7-c0f8-7623-b0ee-4f393187dcb3" xlink:href="fhlbny-20260630.xsd#fhlbny_AssetBackedSecuritiesFloatingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_AssetBackedSecuritiesBeforeHedgingAdjustmentsMember_019d9fe7-c0f8-7415-b25a-99325846b615" xlink:to="loc_fhlbny_AssetBackedSecuritiesFloatingMember_019d9fe7-c0f8-7623-b0ee-4f393187dcb3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedMortgageObligationsMember_019d9fe7-c0f8-7ffa-a435-5410e4a1f5d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CollateralizedMortgageObligationsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_AssetBackedSecuritiesFloatingMember_019d9fe7-c0f8-7623-b0ee-4f393187dcb3" xlink:to="loc_us-gaap_CollateralizedMortgageObligationsMember_019d9fe7-c0f8-7ffa-a435-5410e4a1f5d8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_PassThruMortgageBackedSecuritiesMember_019d9fe7-c0f8-7c73-ba04-d49126762705" xlink:href="fhlbny-20260630.xsd#fhlbny_PassThruMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_AssetBackedSecuritiesFloatingMember_019d9fe7-c0f8-7623-b0ee-4f393187dcb3" xlink:to="loc_fhlbny_PassThruMortgageBackedSecuritiesMember_019d9fe7-c0f8-7c73-ba04-d49126762705" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_AssetBackedSecuritiesFixedMember_019d9fe7-c0f8-70f7-a929-35f532940d5e" xlink:href="fhlbny-20260630.xsd#fhlbny_AssetBackedSecuritiesFixedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_AssetBackedSecuritiesBeforeHedgingAdjustmentsMember_019d9fe7-c0f8-7415-b25a-99325846b615" xlink:to="loc_fhlbny_AssetBackedSecuritiesFixedMember_019d9fe7-c0f8-70f7-a929-35f532940d5e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_CommercialMortgageBackedSecuritiesBeforeHedgingAdjustmentsMember_019d9fe7-c0f8-7443-8af3-90ba0bc70c96" xlink:href="fhlbny-20260630.xsd#fhlbny_CommercialMortgageBackedSecuritiesBeforeHedgingAdjustmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_AssetBackedSecuritiesFixedMember_019d9fe7-c0f8-70f7-a929-35f532940d5e" xlink:to="loc_fhlbny_CommercialMortgageBackedSecuritiesBeforeHedgingAdjustmentsMember_019d9fe7-c0f8-7443-8af3-90ba0bc70c96" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_019d9fe7-c0f8-747a-9a22-179eee66b853" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fe7-c0f8-7c8f-8bce-39bc6b385f0f" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_019d9fe7-c0f8-747a-9a22-179eee66b853" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019d9fe7-c0f8-74cb-8537-d0e54504d267" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fe7-c0f8-758d-8297-a1ce669981f4" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019d9fe7-c0f8-74cb-8537-d0e54504d267" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_019d9fe7-c0f8-7162-8c36-bd33fcf7da31" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fe7-c0f8-758d-8297-a1ce669981f4" xlink:to="loc_us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_019d9fe7-c0f8-7162-8c36-bd33fcf7da31" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019d9fe7-c0f8-71eb-a8ab-c90f62e9c427" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fe7-c0f8-758d-8297-a1ce669981f4" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019d9fe7-c0f8-71eb-a8ab-c90f62e9c427" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAccumulatedGrossUnrealizedGainsBeforeTaxCumulativeIncreaseDecrease_019d9fe7-c0f8-7fbe-bbe2-042af494bc2b" xlink:href="fhlbny-20260630.xsd#fhlbny_HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAccumulatedGrossUnrealizedGainsBeforeTaxCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fe7-c0f8-758d-8297-a1ce669981f4" xlink:to="loc_fhlbny_HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAccumulatedGrossUnrealizedGainsBeforeTaxCumulativeIncreaseDecrease_019d9fe7-c0f8-7fbe-bbe2-042af494bc2b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019d9fe7-c0f8-7cc6-b235-c6863fd5c68c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fe7-c0f8-758d-8297-a1ce669981f4" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019d9fe7-c0f8-7cc6-b235-c6863fd5c68c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d9fe7-c0f8-7a14-9892-580f33359e07" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fe7-c0f8-758d-8297-a1ce669981f4" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d9fe7-c0f8-7a14-9892-580f33359e07" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/AvailableforSaleSecuritiesScheduleofAvailableforsaleSecuritieswithEstimatedFairValuesBelowtheirAmortizedCostBasisDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#AvailableforSaleSecuritiesScheduleofAvailableforsaleSecuritieswithEstimatedFairValuesBelowtheirAmortizedCostBasisDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/AvailableforSaleSecuritiesScheduleofAvailableforsaleSecuritieswithEstimatedFairValuesBelowtheirAmortizedCostBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fec-c1e1-7168-8663-106da7a5c831" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019d9fec-c1e1-7a4d-a2b2-9a5903af2cfc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fec-c1e1-7168-8663-106da7a5c831" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019d9fec-c1e1-7a4d-a2b2-9a5903af2cfc" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019d9fec-c1e1-7272-bf4f-1085c463b519" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019d9fec-c1e1-7a4d-a2b2-9a5903af2cfc" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019d9fec-c1e1-7272-bf4f-1085c463b519" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fec-c1e1-7272-bf4f-1085c463b519_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9fec-c1e1-7272-bf4f-1085c463b519" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fec-c1e1-7272-bf4f-1085c463b519_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fec-c1e1-7c5b-a8a1-71800fade99b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9fec-c1e1-7272-bf4f-1085c463b519" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fec-c1e1-7c5b-a8a1-71800fade99b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_019d9fec-c1e1-7b7a-88bb-739f8f67b67f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fec-c1e1-7c5b-a8a1-71800fade99b" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_019d9fec-c1e1-7b7a-88bb-739f8f67b67f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_019d9fec-c1e1-734b-bc6c-f3d57e801ad0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetBackedSecuritiesMember_019d9fec-c1e1-7b7a-88bb-739f8f67b67f" xlink:to="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_019d9fec-c1e1-734b-bc6c-f3d57e801ad0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_019d9fec-c1e1-7fd8-b121-c62f51159c57" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetBackedSecuritiesMember_019d9fec-c1e1-7b7a-88bb-739f8f67b67f" xlink:to="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_019d9fec-c1e1-7fd8-b121-c62f51159c57" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_HousingAndU.S.ObligationsMember_019dbb30-d458-7488-8444-9d6015340958" xlink:href="fhlbny-20260630.xsd#fhlbny_HousingAndU.S.ObligationsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fec-c1e1-7c5b-a8a1-71800fade99b" xlink:to="loc_fhlbny_HousingAndU.S.ObligationsMember_019dbb30-d458-7488-8444-9d6015340958" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableforSaleUnrealizedLossPositionAbstract_019d9fec-c1e1-7b69-b359-7d8567e2b41d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableforSaleUnrealizedLossPositionAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fec-c1e1-7168-8663-106da7a5c831" xlink:to="loc_us-gaap_DebtSecuritiesAvailableforSaleUnrealizedLossPositionAbstract_019d9fec-c1e1-7b69-b359-7d8567e2b41d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019d9fec-c1e1-75d3-84ff-280a0edfc5b8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesAvailableforSaleUnrealizedLossPositionAbstract_019d9fec-c1e1-7b69-b359-7d8567e2b41d" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019d9fec-c1e1-75d3-84ff-280a0edfc5b8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019d9fec-c1e1-74d2-aa6b-a951f0c82bf5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesAvailableforSaleUnrealizedLossPositionAbstract_019d9fec-c1e1-7b69-b359-7d8567e2b41d" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019d9fec-c1e1-74d2-aa6b-a951f0c82bf5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019d9fec-c1e1-7565-bec8-077ff9879e5c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesAvailableforSaleUnrealizedLossPositionAbstract_019d9fec-c1e1-7b69-b359-7d8567e2b41d" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019d9fec-c1e1-7565-bec8-077ff9879e5c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_019d9fec-c1e1-72ae-a2c0-b944297d6491" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fec-c1e1-7168-8663-106da7a5c831" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_019d9fec-c1e1-72ae-a2c0-b944297d6491" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019d9fec-c1e1-778f-b1bb-403593deccca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_019d9fec-c1e1-72ae-a2c0-b944297d6491" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019d9fec-c1e1-778f-b1bb-403593deccca" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019d9fec-c1e1-711a-b879-b1058079208a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_019d9fec-c1e1-72ae-a2c0-b944297d6491" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019d9fec-c1e1-711a-b879-b1058079208a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019d9fec-c1e1-7d53-b408-3325243e8db5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLossAbstract_019d9fec-c1e1-72ae-a2c0-b944297d6491" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019d9fec-c1e1-7d53-b408-3325243e8db5" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/AvailableforSaleSecuritiesScheduleofAmortizedCostandEstimatedFairValueofInvestmentsbyContractualMaturityDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#AvailableforSaleSecuritiesScheduleofAmortizedCostandEstimatedFairValueofInvestmentsbyContractualMaturityDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/AvailableforSaleSecuritiesScheduleofAmortizedCostandEstimatedFairValueofInvestmentsbyContractualMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fee-9eba-7d62-b200-50e9434d2312" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019d9fee-9eba-764b-9fdb-cbb56e52cb3c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fee-9eba-7d62-b200-50e9434d2312" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019d9fee-9eba-764b-9fdb-cbb56e52cb3c" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019d9fee-9eba-7b15-852c-62488f63635b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019d9fee-9eba-764b-9fdb-cbb56e52cb3c" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019d9fee-9eba-7b15-852c-62488f63635b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fee-9eba-7b15-852c-62488f63635b_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9fee-9eba-7b15-852c-62488f63635b" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fee-9eba-7b15-852c-62488f63635b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fee-9eba-75e6-b7fe-ec1d381dcd9b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9fee-9eba-7b15-852c-62488f63635b" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fee-9eba-75e6-b7fe-ec1d381dcd9b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_HousingAndU.S.ObligationsMember_019d9fee-9eba-7d63-b8a6-739971d9e2c6" xlink:href="fhlbny-20260630.xsd#fhlbny_HousingAndU.S.ObligationsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fee-9eba-75e6-b7fe-ec1d381dcd9b" xlink:to="loc_fhlbny_HousingAndU.S.ObligationsMember_019d9fee-9eba-7d63-b8a6-739971d9e2c6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_019d9fee-9eba-72e9-93d6-2f055c1b2a91" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9fee-9eba-75e6-b7fe-ec1d381dcd9b" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_019d9fee-9eba-72e9-93d6-2f055c1b2a91" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisRollingMaturityAbstract_019d9fee-9eba-708b-980c-e73459b6fa48" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisRollingMaturityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fee-9eba-7d62-b200-50e9434d2312" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisRollingMaturityAbstract_019d9fee-9eba-708b-980c-e73459b6fa48" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_019d9fee-9eba-74d8-ac38-7dd197c54883" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisRollingMaturityAbstract_019d9fee-9eba-708b-980c-e73459b6fa48" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_019d9fee-9eba-74d8-ac38-7dd197c54883" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_019d9fee-9eba-7179-98a0-3e01d96844f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisRollingMaturityAbstract_019d9fee-9eba-708b-980c-e73459b6fa48" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_019d9fee-9eba-7179-98a0-3e01d96844f4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_019d9fee-9eba-7773-a6ae-c00cc26e118e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisRollingMaturityAbstract_019d9fee-9eba-708b-980c-e73459b6fa48" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_019d9fee-9eba-7773-a6ae-c00cc26e118e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_019d9fee-9eba-7c5a-947c-ca9e718f736b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisRollingMaturityAbstract_019d9fee-9eba-708b-980c-e73459b6fa48" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_019d9fee-9eba-7c5a-947c-ca9e718f736b" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019d9fee-9eba-7273-afd6-fe54599fac02" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisRollingMaturityAbstract_019d9fee-9eba-708b-980c-e73459b6fa48" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019d9fee-9eba-7273-afd6-fe54599fac02" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateRollingMaturityAbstract_019d9fee-9eba-769f-9b85-78f9fa1520d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateRollingMaturityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fee-9eba-7d62-b200-50e9434d2312" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateRollingMaturityAbstract_019d9fee-9eba-769f-9b85-78f9fa1520d8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_019d9fee-9eba-7a6e-86e5-38dca4ce6225" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateRollingMaturityAbstract_019d9fee-9eba-769f-9b85-78f9fa1520d8" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_019d9fee-9eba-7a6e-86e5-38dca4ce6225" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019d9fee-9eba-7f0e-bec0-3bbff418d5c0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateRollingMaturityAbstract_019d9fee-9eba-769f-9b85-78f9fa1520d8" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019d9fee-9eba-7f0e-bec0-3bbff418d5c0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019d9fee-9eba-798f-80dc-4d5f8a19df21" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateRollingMaturityAbstract_019d9fee-9eba-769f-9b85-78f9fa1520d8" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019d9fee-9eba-798f-80dc-4d5f8a19df21" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_019d9fee-9eba-75b7-bedd-c061a958abb3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateRollingMaturityAbstract_019d9fee-9eba-769f-9b85-78f9fa1520d8" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_019d9fee-9eba-75b7-bedd-c061a958abb3" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d9fee-9eba-7f54-afbf-b10a30bfe79f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateRollingMaturityAbstract_019d9fee-9eba-769f-9b85-78f9fa1520d8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d9fee-9eba-7f54-afbf-b10a30bfe79f" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DebtSecuritiesAvailableForSaleUnamortizedDiscountPremiumNet_019d9fee-9eba-79c2-bc4b-a4e6534d0cc1" xlink:href="fhlbny-20260630.xsd#fhlbny_DebtSecuritiesAvailableForSaleUnamortizedDiscountPremiumNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9fee-9eba-7d62-b200-50e9434d2312" xlink:to="loc_fhlbny_DebtSecuritiesAvailableForSaleUnamortizedDiscountPremiumNet_019d9fee-9eba-79c2-bc4b-a4e6534d0cc1" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/AvailableforSaleSecuritiesScheduleofInterestRatePaymentTermsofInvestmentsinMortgagebackedSecuritiesandStateAndLocalHousingFinanceAgencyObligationsClassifiedasAFSSecuritiesDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#AvailableforSaleSecuritiesScheduleofInterestRatePaymentTermsofInvestmentsinMortgagebackedSecuritiesandStateAndLocalHousingFinanceAgencyObligationsClassifiedasAFSSecuritiesDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/AvailableforSaleSecuritiesScheduleofInterestRatePaymentTermsofInvestmentsinMortgagebackedSecuritiesandStateAndLocalHousingFinanceAgencyObligationsClassifiedasAFSSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9ff2-8746-7dff-8077-ff62b448013f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019d9ff2-8746-7e2b-878e-ffe6d01d70e7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9ff2-8746-7dff-8077-ff62b448013f" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019d9ff2-8746-7e2b-878e-ffe6d01d70e7" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019d9ff2-8746-736f-81a0-476a7a768bf3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019d9ff2-8746-7e2b-878e-ffe6d01d70e7" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019d9ff2-8746-736f-81a0-476a7a768bf3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9ff2-8746-736f-81a0-476a7a768bf3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9ff2-8746-736f-81a0-476a7a768bf3" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9ff2-8746-736f-81a0-476a7a768bf3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9ff2-8746-7884-99ae-b449d26e3b2f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9ff2-8746-736f-81a0-476a7a768bf3" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9ff2-8746-7884-99ae-b449d26e3b2f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_019d9ff2-8746-7eac-a75e-2f638ce1db01" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9ff2-8746-7884-99ae-b449d26e3b2f" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_019d9ff2-8746-7eac-a75e-2f638ce1db01" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_AssetBackedSecuritiesFloatingMember_019d9ff2-8746-797b-b690-42ee6b669803" xlink:href="fhlbny-20260630.xsd#fhlbny_AssetBackedSecuritiesFloatingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetBackedSecuritiesMember_019d9ff2-8746-7eac-a75e-2f638ce1db01" xlink:to="loc_fhlbny_AssetBackedSecuritiesFloatingMember_019d9ff2-8746-797b-b690-42ee6b669803" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedMortgageObligationsMember_019d9ff2-8746-7b37-9e1c-137c0be8476e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CollateralizedMortgageObligationsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_AssetBackedSecuritiesFloatingMember_019d9ff2-8746-797b-b690-42ee6b669803" xlink:to="loc_us-gaap_CollateralizedMortgageObligationsMember_019d9ff2-8746-7b37-9e1c-137c0be8476e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_PassThruMortgageBackedSecuritiesMember_019d9ff2-8746-7934-9eab-8a457657b792" xlink:href="fhlbny-20260630.xsd#fhlbny_PassThruMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_AssetBackedSecuritiesFloatingMember_019d9ff2-8746-797b-b690-42ee6b669803" xlink:to="loc_fhlbny_PassThruMortgageBackedSecuritiesMember_019d9ff2-8746-7934-9eab-8a457657b792" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_AssetBackedSecuritiesFixedAfterHedgingBasisAdjustmentMember_019d9ff2-8746-7bc3-8d72-9764e61f4252" xlink:href="fhlbny-20260630.xsd#fhlbny_AssetBackedSecuritiesFixedAfterHedgingBasisAdjustmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetBackedSecuritiesMember_019d9ff2-8746-7eac-a75e-2f638ce1db01" xlink:to="loc_fhlbny_AssetBackedSecuritiesFixedAfterHedgingBasisAdjustmentMember_019d9ff2-8746-7bc3-8d72-9764e61f4252" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019d9ff2-8746-7ab9-912c-943a5919bee7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_AssetBackedSecuritiesFixedAfterHedgingBasisAdjustmentMember_019d9ff2-8746-7bc3-8d72-9764e61f4252" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019d9ff2-8746-7ab9-912c-943a5919bee7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_HousingAndU.S.ObligationsFloatingMember_019d9ff2-8746-7195-b621-2b6fe5372bb0" xlink:href="fhlbny-20260630.xsd#fhlbny_HousingAndU.S.ObligationsFloatingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9ff2-8746-7884-99ae-b449d26e3b2f" xlink:to="loc_fhlbny_HousingAndU.S.ObligationsFloatingMember_019d9ff2-8746-7195-b621-2b6fe5372bb0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_HousingAndU.S.ObligationsFixedMember_019d9ff2-8746-7b1e-ab19-ffe9b03e136c" xlink:href="fhlbny-20260630.xsd#fhlbny_HousingAndU.S.ObligationsFixedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9ff2-8746-7884-99ae-b449d26e3b2f" xlink:to="loc_fhlbny_HousingAndU.S.ObligationsFixedMember_019d9ff2-8746-7b1e-ab19-ffe9b03e136c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019d9ff2-8746-7bd6-8a0e-0b69c17fa9c0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9ff2-8746-7dff-8077-ff62b448013f" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019d9ff2-8746-7bd6-8a0e-0b69c17fa9c0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d9ff2-8746-73ec-ada8-59232be97621" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9ff2-8746-7dff-8077-ff62b448013f" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d9ff2-8746-73ec-ada8-59232be97621" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/HeldtoMaturitySecuritiesScheduleofMajorSecurityTypesDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#HeldtoMaturitySecuritiesScheduleofMajorSecurityTypesDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/HeldtoMaturitySecuritiesScheduleofMajorSecurityTypesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019d993d-df83-7985-8430-3ddb6ce0a0bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_019d993d-df83-72c6-b571-4d16cfbd973b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019d993d-df83-7985-8430-3ddb6ce0a0bd" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_019d993d-df83-72c6-b571-4d16cfbd973b" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019d993d-df83-7f15-8606-9f2ff19a97aa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_019d993d-df83-72c6-b571-4d16cfbd973b" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019d993d-df83-7f15-8606-9f2ff19a97aa" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d993d-df83-7f15-8606-9f2ff19a97aa_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d993d-df83-7f15-8606-9f2ff19a97aa" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d993d-df83-7f15-8606-9f2ff19a97aa_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d993d-df83-7bda-86e4-5313dddc222f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d993d-df83-7f15-8606-9f2ff19a97aa" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d993d-df83-7bda-86e4-5313dddc222f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_019d993d-df83-701e-b3a3-98e7a9dab647" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d993d-df83-7bda-86e4-5313dddc222f" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_019d993d-df83-701e-b3a3-98e7a9dab647" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_CollateralizedMortgageObligationsRealEstateMortgageInvestmentConduitsMember_019d993d-df83-7e2f-918d-d67ee5a02fc0" xlink:href="fhlbny-20260630.xsd#fhlbny_CollateralizedMortgageObligationsRealEstateMortgageInvestmentConduitsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d993d-df83-7bda-86e4-5313dddc222f" xlink:to="loc_fhlbny_CollateralizedMortgageObligationsRealEstateMortgageInvestmentConduitsMember_019d993d-df83-7e2f-918d-d67ee5a02fc0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019d993d-df83-7112-bab0-cf7fe9803c84" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d993d-df83-7bda-86e4-5313dddc222f" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019d993d-df83-7112-bab0-cf7fe9803c84" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_019d993d-df83-71b6-bf7d-7ffec4555afa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d993d-df83-7bda-86e4-5313dddc222f" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_019d993d-df83-71b6-bf7d-7ffec4555afa" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_StateAndLocalHousingFinanceAgencyObligationsMember_019d993d-df83-7a76-9a9e-ed8f6b723c7b" xlink:href="fhlbny-20260630.xsd#fhlbny_StateAndLocalHousingFinanceAgencyObligationsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d993d-df83-7bda-86e4-5313dddc222f" xlink:to="loc_fhlbny_StateAndLocalHousingFinanceAgencyObligationsMember_019d993d-df83-7a76-9a9e-ed8f6b723c7b" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAbstract_019d993d-df83-7efb-a04a-6262d608aa92" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019d993d-df83-7985-8430-3ddb6ce0a0bd" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAbstract_019d993d-df83-7efb-a04a-6262d608aa92" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019d993d-df83-7fc9-9fb0-66c03a4303ca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_019d993d-df83-7efb-a04a-6262d608aa92" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019d993d-df83-7fc9-9fb0-66c03a4303ca" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_019d993d-df83-70c3-9800-147198837deb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_019d993d-df83-7efb-a04a-6262d608aa92" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_019d993d-df83-70c3-9800-147198837deb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_OtherComprehensiveIncomeLossOtherThanTemporaryImpairmentHeldToMaturityDebtSecuritiesNetOfTax_019d993d-df83-7f01-9eb1-512723b18e66" xlink:href="fhlbny-20260630.xsd#fhlbny_OtherComprehensiveIncomeLossOtherThanTemporaryImpairmentHeldToMaturityDebtSecuritiesNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_019d993d-df83-7efb-a04a-6262d608aa92" xlink:to="loc_fhlbny_OtherComprehensiveIncomeLossOtherThanTemporaryImpairmentHeldToMaturityDebtSecuritiesNetOfTax_019d993d-df83-7f01-9eb1-512723b18e66" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_019d993d-df83-7c79-9d2f-2c633382a822" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_019d993d-df83-7efb-a04a-6262d608aa92" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_019d993d-df83-7c79-9d2f-2c633382a822" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_019d993d-df83-7b63-adba-4d8c76ec18db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_019d993d-df83-7efb-a04a-6262d608aa92" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_019d993d-df83-7b63-adba-4d8c76ec18db" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019d993d-df83-7195-a155-003c3c37ea7b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_019d993d-df83-7efb-a04a-6262d608aa92" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019d993d-df83-7195-a155-003c3c37ea7b" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019d993d-df83-7028-96c5-35e77d0e453b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_019d993d-df83-7efb-a04a-6262d608aa92" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019d993d-df83-7028-96c5-35e77d0e453b" xlink:type="arc" order="7"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/HeldtoMaturitySecuritiesScheduleofAmortizedCostandEstimatedFairValueofInvestmentsbyContractualMaturityDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#HeldtoMaturitySecuritiesScheduleofAmortizedCostandEstimatedFairValueofInvestmentsbyContractualMaturityDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/HeldtoMaturitySecuritiesScheduleofAmortizedCostandEstimatedFairValueofInvestmentsbyContractualMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019d993d-df83-781d-b44c-a74e4b2b7822" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_019d993d-df83-7007-9752-8f275c1c7449" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019d993d-df83-781d-b44c-a74e4b2b7822" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_019d993d-df83-7007-9752-8f275c1c7449" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019d993d-df83-7cc3-a5af-95dfbb3724d3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_019d993d-df83-7007-9752-8f275c1c7449" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019d993d-df83-7cc3-a5af-95dfbb3724d3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d993d-df83-7cc3-a5af-95dfbb3724d3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d993d-df83-7cc3-a5af-95dfbb3724d3" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d993d-df83-7cc3-a5af-95dfbb3724d3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d993d-df83-79e2-8f53-bb680464a0b5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d993d-df83-7cc3-a5af-95dfbb3724d3" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d993d-df83-79e2-8f53-bb680464a0b5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_StateAndLocalHousingFinanceAgencyObligationsMember_019d993d-df83-7b2b-890c-8323cf432cc4" xlink:href="fhlbny-20260630.xsd#fhlbny_StateAndLocalHousingFinanceAgencyObligationsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d993d-df83-79e2-8f53-bb680464a0b5" xlink:to="loc_fhlbny_StateAndLocalHousingFinanceAgencyObligationsMember_019d993d-df83-7b2b-890c-8323cf432cc4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_019d993d-df83-79f4-8d8f-39af69a4216b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d993d-df83-79e2-8f53-bb680464a0b5" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_019d993d-df83-79f4-8d8f-39af69a4216b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAbstract_019d993d-df83-73b1-9541-280ca2030e2f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019d993d-df83-781d-b44c-a74e4b2b7822" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAbstract_019d993d-df83-73b1-9541-280ca2030e2f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne_019d993d-df83-7834-880c-854a1397e546" xlink:href="fhlbny-20260630.xsd#fhlbny_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAbstract_019d993d-df83-73b1-9541-280ca2030e2f" xlink:to="loc_fhlbny_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne_019d993d-df83-7834-880c-854a1397e546" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive_019d993d-df83-761d-bab5-91736a963899" xlink:href="fhlbny-20260630.xsd#fhlbny_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAbstract_019d993d-df83-73b1-9541-280ca2030e2f" xlink:to="loc_fhlbny_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive_019d993d-df83-761d-bab5-91736a963899" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10_019d993d-df83-75f6-b85f-120ad794d199" xlink:href="fhlbny-20260630.xsd#fhlbny_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAbstract_019d993d-df83-73b1-9541-280ca2030e2f" xlink:to="loc_fhlbny_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10_019d993d-df83-75f6-b85f-120ad794d199" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10_019d993d-df83-708e-8141-7a1075af7743" xlink:href="fhlbny-20260630.xsd#fhlbny_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAbstract_019d993d-df83-73b1-9541-280ca2030e2f" xlink:to="loc_fhlbny_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10_019d993d-df83-708e-8141-7a1075af7743" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019d993d-df83-7db8-ae0e-673900cc078b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAbstract_019d993d-df83-73b1-9541-280ca2030e2f" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019d993d-df83-7db8-ae0e-673900cc078b" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_019d993d-df83-7bf1-881e-4dbfbb3d7dd9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019d993d-df83-781d-b44c-a74e4b2b7822" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_019d993d-df83-7bf1-881e-4dbfbb3d7dd9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_019d993d-df83-70a9-80de-6ad29919d2b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_019d993d-df83-7bf1-881e-4dbfbb3d7dd9" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_019d993d-df83-70a9-80de-6ad29919d2b1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019d993d-df83-7c64-91c6-94f54021f5e9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_019d993d-df83-7bf1-881e-4dbfbb3d7dd9" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019d993d-df83-7c64-91c6-94f54021f5e9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019d993d-df83-740a-a436-f5d362a80028" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_019d993d-df83-7bf1-881e-4dbfbb3d7dd9" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019d993d-df83-740a-a436-f5d362a80028" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_019d993d-df83-7edd-9265-92d423536248" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_019d993d-df83-7bf1-881e-4dbfbb3d7dd9" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_019d993d-df83-7edd-9265-92d423536248" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019d993d-df83-7d12-bed2-acab127749c9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_019d993d-df83-7bf1-881e-4dbfbb3d7dd9" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019d993d-df83-7d12-bed2-acab127749c9" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DebtSecuritiesHeldToMaturityUnamortizedDiscountPremiumNet_019d993d-df83-711f-a41b-dd6273e5e5d1" xlink:href="fhlbny-20260630.xsd#fhlbny_DebtSecuritiesHeldToMaturityUnamortizedDiscountPremiumNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_019d993d-df83-781d-b44c-a74e4b2b7822" xlink:to="loc_fhlbny_DebtSecuritiesHeldToMaturityUnamortizedDiscountPremiumNet_019d993d-df83-711f-a41b-dd6273e5e5d1" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/AdvancesNarrativeDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#AdvancesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/AdvancesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_019daffb-eb4a-7c1f-ae18-91444a379e5b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesTable_019daffb-eb4a-7f30-8f4f-6e617580416a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_019daffb-eb4a-7c1f-ae18-91444a379e5b" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesTable_019daffb-eb4a-7f30-8f4f-6e617580416a" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis_019daffb-eb4a-798f-8360-4265c379d26a" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CounterpartyNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesTable_019daffb-eb4a-7f30-8f4f-6e617580416a" xlink:to="loc_srt_CounterpartyNameAxis_019daffb-eb4a-798f-8360-4265c379d26a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019daffb-eb4a-798f-8360-4265c379d26a_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_CounterpartyNameAxis_019daffb-eb4a-798f-8360-4265c379d26a" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019daffb-eb4a-798f-8360-4265c379d26a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019daffb-eb4a-795c-a4c2-fc5ed92d96d0" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_CounterpartyNameAxis_019daffb-eb4a-798f-8360-4265c379d26a" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019daffb-eb4a-795c-a4c2-fc5ed92d96d0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_InsuranceCompaniesMember_019daffb-eb4a-7e7e-aec0-7792d3021c4e" xlink:href="fhlbny-20260630.xsd#fhlbny_InsuranceCompaniesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019daffb-eb4a-795c-a4c2-fc5ed92d96d0" xlink:to="loc_fhlbny_InsuranceCompaniesMember_019daffb-eb4a-7e7e-aec0-7792d3021c4e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019daffb-eb4a-73b6-ac1c-0395a1923e5c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesTable_019daffb-eb4a-7f30-8f4f-6e617580416a" xlink:to="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019daffb-eb4a-73b6-ac1c-0395a1923e5c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019daffb-eb4a-73b6-ac1c-0395a1923e5c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019daffb-eb4a-73b6-ac1c-0395a1923e5c" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019daffb-eb4a-73b6-ac1c-0395a1923e5c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019daffb-eb4a-76e4-87cb-872ad3b4c96e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019daffb-eb4a-73b6-ac1c-0395a1923e5c" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019daffb-eb4a-76e4-87cb-872ad3b4c96e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankAdvancesConcentrationRiskMember_019daffb-eb4a-7165-bd35-69146489f2d1" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankAdvancesConcentrationRiskMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019daffb-eb4a-76e4-87cb-872ad3b4c96e" xlink:to="loc_fhlbny_FederalHomeLoanBankAdvancesConcentrationRiskMember_019daffb-eb4a-7165-bd35-69146489f2d1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis_019daffb-eb4a-7a4f-b1eb-a6e2862a9d5b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesTable_019daffb-eb4a-7f30-8f4f-6e617580416a" xlink:to="loc_us-gaap_ConcentrationRiskByTypeAxis_019daffb-eb4a-7a4f-b1eb-a6e2862a9d5b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_019daffb-eb4a-7a4f-b1eb-a6e2862a9d5b_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_019daffb-eb4a-7a4f-b1eb-a6e2862a9d5b" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_019daffb-eb4a-7a4f-b1eb-a6e2862a9d5b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_019daffb-eb4a-7b0a-805d-d214264944e3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_019daffb-eb4a-7a4f-b1eb-a6e2862a9d5b" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_019daffb-eb4a-7b0a-805d-d214264944e3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LenderConcentrationRiskMember_019daffb-eb4a-7ca6-a289-96a6d4d4774d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LenderConcentrationRiskMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_019daffb-eb4a-7b0a-805d-d214264944e3" xlink:to="loc_us-gaap_LenderConcentrationRiskMember_019daffb-eb4a-7ca6-a289-96a6d4d4774d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskPercentage1_019daffb-eb4a-7252-9953-d53964114d6a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskPercentage1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_019daffb-eb4a-7c1f-ae18-91444a379e5b" xlink:to="loc_us-gaap_ConcentrationRiskPercentage1_019daffb-eb4a-7252-9953-d53964114d6a" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/MortgageLoansHeldforPortfolioNarrativeDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#MortgageLoansHeldforPortfolioNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/MortgageLoansHeldforPortfolioNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d9a42-5cee-7894-8ea6-e7e6e65a6c77" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019d994c-d00c-775c-8ac8-3eff1b6c4283" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d9a42-5cee-7894-8ea6-e7e6e65a6c77" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019d994c-d00c-775c-8ac8-3eff1b6c4283" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019d9a42-5cee-7607-896a-5c8e8a736fbf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019d994c-d00c-775c-8ac8-3eff1b6c4283" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019d9a42-5cee-7607-896a-5c8e8a736fbf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019d9a42-5cee-7607-896a-5c8e8a736fbf_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019d9a42-5cee-7607-896a-5c8e8a736fbf" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019d9a42-5cee-7607-896a-5c8e8a736fbf_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019d9a42-5cee-7ff4-893f-8c84e9f2d69a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019d9a42-5cee-7607-896a-5c8e8a736fbf" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019d9a42-5cee-7ff4-893f-8c84e9f2d69a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_MortgagePartnershipFinanceMember_019d9a42-5cee-76dc-a02d-412f8ce707a6" xlink:href="fhlbny-20260630.xsd#fhlbny_MortgagePartnershipFinanceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019d9a42-5cee-7ff4-893f-8c84e9f2d69a" xlink:to="loc_fhlbny_MortgagePartnershipFinanceMember_019d9a42-5cee-76dc-a02d-412f8ce707a6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_MortgageAssetProgramsMember_019d9a42-5cee-7240-a207-98a3d9b56ffe" xlink:href="fhlbny-20260630.xsd#fhlbny_MortgageAssetProgramsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019d9a42-5cee-7ff4-893f-8c84e9f2d69a" xlink:to="loc_fhlbny_MortgageAssetProgramsMember_019d9a42-5cee-7240-a207-98a3d9b56ffe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019d9a42-cca9-7619-ab7a-998c875d5e81" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019d994c-d00c-775c-8ac8-3eff1b6c4283" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019d9a42-cca9-7619-ab7a-998c875d5e81" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019d9a42-cca9-7619-ab7a-998c875d5e81_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019d9a42-cca9-7619-ab7a-998c875d5e81" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019d9a42-cca9-7619-ab7a-998c875d5e81_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019d9a42-cca9-7da7-abd7-bb330a8df7c6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019d9a42-cca9-7619-ab7a-998c875d5e81" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019d9a42-cca9-7da7-abd7-bb330a8df7c6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConventionalLoanMember_019d9a42-cca9-7274-9b89-898530fd304e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConventionalLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019d9a42-cca9-7da7-abd7-bb330a8df7c6" xlink:to="loc_us-gaap_ConventionalLoanMember_019d9a42-cca9-7274-9b89-898530fd304e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019dc301-22d7-7c0a-9ea4-f23a0796fc8d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019d994c-d00c-775c-8ac8-3eff1b6c4283" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019dc301-22d7-7c0a-9ea4-f23a0796fc8d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019dc301-22d7-7c0a-9ea4-f23a0796fc8d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019dc301-22d7-7c0a-9ea4-f23a0796fc8d" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019dc301-22d7-7c0a-9ea4-f23a0796fc8d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019dc301-22d7-75b7-a3f9-56ae07a3b712" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019dc301-22d7-7c0a-9ea4-f23a0796fc8d" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019dc301-22d7-75b7-a3f9-56ae07a3b712" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FinancialAssetEqualToOrGreaterThan30DaysPastDueMember_019dd558-0c49-74e9-aa03-c657223998f9" xlink:href="fhlbny-20260630.xsd#fhlbny_FinancialAssetEqualToOrGreaterThan30DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019dc301-22d7-75b7-a3f9-56ae07a3b712" xlink:to="loc_fhlbny_FinancialAssetEqualToOrGreaterThan30DaysPastDueMember_019dd558-0c49-74e9-aa03-c657223998f9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019d9a42-5cee-7c57-ac68-54d0161893b7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d9a42-5cee-7894-8ea6-e7e6e65a6c77" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019d9a42-5cee-7c57-ac68-54d0161893b7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestFirstLossAccountPercentage_019d9a42-a7ac-76a8-b280-f873294c48f5" xlink:href="fhlbny-20260630.xsd#fhlbny_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestFirstLossAccountPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d9a42-5cee-7894-8ea6-e7e6e65a6c77" xlink:to="loc_fhlbny_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestFirstLossAccountPercentage_019d9a42-a7ac-76a8-b280-f873294c48f5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestFirstLossAccountAmount_019d9a42-a7ac-7aa2-86ad-15a0dcf44496" xlink:href="fhlbny-20260630.xsd#fhlbny_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestFirstLossAccountAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d9a42-5cee-7894-8ea6-e7e6e65a6c77" xlink:to="loc_fhlbny_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestFirstLossAccountAmount_019d9a42-a7ac-7aa2-86ad-15a0dcf44496" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestAccruedCreditEnhancementFeesPercentageOfLoan_019d9a42-a7ac-7cb8-8e95-7bdae7df91b5" xlink:href="fhlbny-20260630.xsd#fhlbny_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestAccruedCreditEnhancementFeesPercentageOfLoan"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d9a42-5cee-7894-8ea6-e7e6e65a6c77" xlink:to="loc_fhlbny_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestAccruedCreditEnhancementFeesPercentageOfLoan_019d9a42-a7ac-7cb8-8e95-7bdae7df91b5" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestMemberPerformanceAccountLiability_019d9a42-a7ac-7c7b-a077-ba20b99204e4" xlink:href="fhlbny-20260630.xsd#fhlbny_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestMemberPerformanceAccountLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d9a42-5cee-7894-8ea6-e7e6e65a6c77" xlink:to="loc_fhlbny_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestMemberPerformanceAccountLiability_019d9a42-a7ac-7c7b-a077-ba20b99204e4" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019d9a42-cca9-7858-bc9c-574bfde9423b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d9a42-5cee-7894-8ea6-e7e6e65a6c77" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019d9a42-cca9-7858-bc9c-574bfde9423b" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/MortgageLoansHeldforPortfolioScheduleofInformationonMortgageLoansHeldforportfolioDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#MortgageLoansHeldforPortfolioScheduleofInformationonMortgageLoansHeldforportfolioDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/MortgageLoansHeldforPortfolioScheduleofInformationonMortgageLoansHeldforportfolioDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d994c-d00c-70ad-ab30-879648ef453f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019d994c-d00c-78e1-90ba-efcf21f1a7e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d994c-d00c-70ad-ab30-879648ef453f" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019d994c-d00c-78e1-90ba-efcf21f1a7e5" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_019d994c-d00c-7052-82f7-bc369b15f172" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019d994c-d00c-78e1-90ba-efcf21f1a7e5" xlink:to="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_019d994c-d00c-7052-82f7-bc369b15f172" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivableTypeDomain_019d994c-d00c-7052-82f7-bc369b15f172_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivableTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_019d994c-d00c-7052-82f7-bc369b15f172" xlink:to="loc_us-gaap_ReceivableTypeDomain_019d994c-d00c-7052-82f7-bc369b15f172_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivableTypeDomain_019d994c-d00c-7126-b5e3-c07317ff096e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivableTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_019d994c-d00c-7052-82f7-bc369b15f172" xlink:to="loc_us-gaap_ReceivableTypeDomain_019d994c-d00c-7126-b5e3-c07317ff096e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FixedMediumTermMortgageMember_019d994c-d00c-7c73-ae8f-427aa687f3c6" xlink:href="fhlbny-20260630.xsd#fhlbny_FixedMediumTermMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ReceivableTypeDomain_019d994c-d00c-7126-b5e3-c07317ff096e" xlink:to="loc_fhlbny_FixedMediumTermMortgageMember_019d994c-d00c-7c73-ae8f-427aa687f3c6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FixedLongTermMortgageMember_019d994c-d00c-7742-a93a-cf92d9a29265" xlink:href="fhlbny-20260630.xsd#fhlbny_FixedLongTermMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ReceivableTypeDomain_019d994c-d00c-7126-b5e3-c07317ff096e" xlink:to="loc_fhlbny_FixedLongTermMortgageMember_019d994c-d00c-7742-a93a-cf92d9a29265" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_019d994c-d00c-762d-af95-becf46356d71" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d994c-d00c-70ad-ab30-879648ef453f" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_019d994c-d00c-762d-af95-becf46356d71" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FinancingReceivableUnamortizedPurchasePremium_019d994c-d00c-745b-9ccc-62c161f665e4" xlink:href="fhlbny-20260630.xsd#fhlbny_FinancingReceivableUnamortizedPurchasePremium"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d994c-d00c-70ad-ab30-879648ef453f" xlink:to="loc_fhlbny_FinancingReceivableUnamortizedPurchasePremium_019d994c-d00c-745b-9ccc-62c161f665e4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FinancingReceivableUnamortizedPurchaseDiscount_019d994c-d00c-7b40-8d1a-7b07154d34b2" xlink:href="fhlbny-20260630.xsd#fhlbny_FinancingReceivableUnamortizedPurchaseDiscount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d994c-d00c-70ad-ab30-879648ef453f" xlink:to="loc_fhlbny_FinancingReceivableUnamortizedPurchaseDiscount_019d994c-d00c-7b40-8d1a-7b07154d34b2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FinancingReceivableBasisAdjustments_019d994c-d00c-7023-ab28-ec0eaaf0cbe2" xlink:href="fhlbny-20260630.xsd#fhlbny_FinancingReceivableBasisAdjustments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d994c-d00c-70ad-ab30-879648ef453f" xlink:to="loc_fhlbny_FinancingReceivableBasisAdjustments_019d994c-d00c-7023-ab28-ec0eaaf0cbe2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019d994c-d00c-7627-a35e-2c164a1b5ddc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d994c-d00c-70ad-ab30-879648ef453f" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019d994c-d00c-7627-a35e-2c164a1b5ddc" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019d994c-d00c-7a8e-9485-0d2a93a8b866" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d994c-d00c-70ad-ab30-879648ef453f" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019d994c-d00c-7a8e-9485-0d2a93a8b866" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019d994c-d00c-7204-a46c-63ba4966f5b0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d994c-d00c-70ad-ab30-879648ef453f" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019d994c-d00c-7204-a46c-63ba4966f5b0" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcessPercentage_019d994c-d00c-7f06-9f1b-efd5fdcd677a" xlink:href="fhlbny-20260630.xsd#fhlbny_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcessPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d994c-d00c-70ad-ab30-879648ef453f" xlink:to="loc_fhlbny_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcessPercentage_019d994c-d00c-7f06-9f1b-efd5fdcd677a" xlink:type="arc" order="7"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/MortgageLoansHeldforPortfolioScheduleofMortgageLoansandImpairedLoansDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#MortgageLoansHeldforPortfolioScheduleofMortgageLoansandImpairedLoansDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/MortgageLoansHeldforPortfolioScheduleofMortgageLoansandImpairedLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_FinancingReceivableCreditRatioLineItems_019d994c-d00c-7402-b772-7c70d2b033de" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_FinancingReceivableCreditRatioLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FinancingReceivableCreditRatioTable_019d994c-d00c-722a-8183-9e5b9ffc19ac" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_FinancingReceivableCreditRatioTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_srt_FinancingReceivableCreditRatioLineItems_019d994c-d00c-7402-b772-7c70d2b033de" xlink:to="loc_srt_FinancingReceivableCreditRatioTable_019d994c-d00c-722a-8183-9e5b9ffc19ac" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis_019d994c-d00c-7191-a0c8-767b2040038e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_srt_FinancingReceivableCreditRatioTable_019d994c-d00c-722a-8183-9e5b9ffc19ac" xlink:to="loc_us-gaap_InternalCreditAssessmentAxis_019d994c-d00c-7191-a0c8-767b2040038e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_019d994c-d00c-7191-a0c8-767b2040038e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_019d994c-d00c-7191-a0c8-767b2040038e" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_019d994c-d00c-7191-a0c8-767b2040038e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_019d994c-d00c-7d2d-a95d-59ea48e4ab37" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_019d994c-d00c-7191-a0c8-767b2040038e" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_019d994c-d00c-7d2d-a95d-59ea48e4ab37" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonperformingFinancingReceivableMember_019d994c-d00c-7646-83c0-68c408a4845b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonperformingFinancingReceivableMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019d994c-d00c-7d2d-a95d-59ea48e4ab37" xlink:to="loc_us-gaap_NonperformingFinancingReceivableMember_019d994c-d00c-7646-83c0-68c408a4845b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019d994c-d00c-7da0-ba61-7cf4f946a96c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_srt_FinancingReceivableCreditRatioTable_019d994c-d00c-722a-8183-9e5b9ffc19ac" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019d994c-d00c-7da0-ba61-7cf4f946a96c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019d994c-d00c-7da0-ba61-7cf4f946a96c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019d994c-d00c-7da0-ba61-7cf4f946a96c" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019d994c-d00c-7da0-ba61-7cf4f946a96c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019d994c-d00c-7d56-9128-20de689edb6b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019d994c-d00c-7da0-ba61-7cf4f946a96c" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019d994c-d00c-7d56-9128-20de689edb6b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019d994c-d00c-76f6-af00-8025122cff64" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019d994c-d00c-7d56-9128-20de689edb6b" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019d994c-d00c-76f6-af00-8025122cff64" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019d994c-d00c-7e6e-be79-8f993a8c8c58" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_FinancingReceivableCreditRatioLineItems_019d994c-d00c-7402-b772-7c70d2b033de" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019d994c-d00c-7e6e-be79-8f993a8c8c58" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/MortgageLoansHeldforPortfolioScheduleofMPFMortgageLoansHeldforportfoliobyCollateralGuaranteeTypeDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#MortgageLoansHeldforPortfolioScheduleofMPFMortgageLoansHeldforportfoliobyCollateralGuaranteeTypeDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/MortgageLoansHeldforPortfolioScheduleofMPFMortgageLoansHeldforportfoliobyCollateralGuaranteeTypeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d994c-d00c-768e-9aac-f80842b5d75f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019d994c-d00c-79ab-8831-04f913f8b7d0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d994c-d00c-768e-9aac-f80842b5d75f" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019d994c-d00c-79ab-8831-04f913f8b7d0" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019d994c-d00c-7784-8766-356d274e7aed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019d994c-d00c-79ab-8831-04f913f8b7d0" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019d994c-d00c-7784-8766-356d274e7aed" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019d994c-d00c-7784-8766-356d274e7aed_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019d994c-d00c-7784-8766-356d274e7aed" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019d994c-d00c-7784-8766-356d274e7aed_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019d994c-d00c-7c9a-a878-20b90683f1fc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019d994c-d00c-7784-8766-356d274e7aed" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019d994c-d00c-7c9a-a878-20b90683f1fc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConventionalLoanMember_019d994c-d00c-7892-905a-535837f7216c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConventionalLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019d994c-d00c-7c9a-a878-20b90683f1fc" xlink:to="loc_us-gaap_ConventionalLoanMember_019d994c-d00c-7892-905a-535837f7216c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansInsuredOrGuaranteedByUsGovernmentAuthoritiesMember_019d994c-d00c-7fbb-b828-c14dbcb23608" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansInsuredOrGuaranteedByUsGovernmentAuthoritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019d994c-d00c-7c9a-a878-20b90683f1fc" xlink:to="loc_us-gaap_LoansInsuredOrGuaranteedByUsGovernmentAuthoritiesMember_019d994c-d00c-7fbb-b828-c14dbcb23608" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_019d994c-d00c-7c28-8799-a3b491324bb8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019d994c-d00c-768e-9aac-f80842b5d75f" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_019d994c-d00c-7c28-8799-a3b491324bb8" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/ConsolidatedObligationsSummaryofIssuedandOutstandingConsolidatedObligationsDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#ConsolidatedObligationsSummaryofIssuedandOutstandingConsolidatedObligationsDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/ConsolidatedObligationsSummaryofIssuedandOutstandingConsolidatedObligationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7146-8502-f24a86fab4b4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019db00b-1e55-7951-a6fc-88a22d107e9d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7146-8502-f24a86fab4b4" xlink:to="loc_us-gaap_DebtInstrumentTable_019db00b-1e55-7951-a6fc-88a22d107e9d" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-787b-a9ff-2081c50827f2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019db00b-1e55-7951-a6fc-88a22d107e9d" xlink:to="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-787b-a9ff-2081c50827f2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-787b-a9ff-2081c50827f2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-787b-a9ff-2081c50827f2" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-787b-a9ff-2081c50827f2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-7186-a1a4-8dc50accd7e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-787b-a9ff-2081c50827f2" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-7186-a1a4-8dc50accd7e2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ConsolidatedObligationBondsMember_019db00b-1e55-7ebc-b9c1-56b9dc0eb8c9" xlink:href="fhlbny-20260630.xsd#fhlbny_ConsolidatedObligationBondsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-7186-a1a4-8dc50accd7e2" xlink:to="loc_fhlbny_ConsolidatedObligationBondsMember_019db00b-1e55-7ebc-b9c1-56b9dc0eb8c9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ConsolidatedObligationDiscountNotesMember_019db00b-1e55-7bf7-9a95-270967ac42ac" xlink:href="fhlbny-20260630.xsd#fhlbny_ConsolidatedObligationDiscountNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-7186-a1a4-8dc50accd7e2" xlink:to="loc_fhlbny_ConsolidatedObligationDiscountNotesMember_019db00b-1e55-7bf7-9a95-270967ac42ac" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsAmortizedCost_019db00b-1e55-77d0-8972-e3d7d146d054" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7146-8502-f24a86fab4b4" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsAmortizedCost_019db00b-1e55-77d0-8972-e3d7d146d054" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsHedgeValuationAdjustments_019db00b-1e55-7802-8771-9408056fbebf" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsHedgeValuationAdjustments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7146-8502-f24a86fab4b4" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsHedgeValuationAdjustments_019db00b-1e55-7802-8771-9408056fbebf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsHedgeBasisAdjustmentsOnDeDesignatedHedges_019db00b-1e55-706a-8c86-a51a9d7fd831" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsHedgeBasisAdjustmentsOnDeDesignatedHedges"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7146-8502-f24a86fab4b4" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsHedgeBasisAdjustmentsOnDeDesignatedHedges_019db00b-1e55-706a-8c86-a51a9d7fd831" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsFairValueOptionValuationAdjustmentsAndAccruedInterest_019db00b-1e55-7d47-b0aa-9e001fd22d0e" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsFairValueOptionValuationAdjustmentsAndAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7146-8502-f24a86fab4b4" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsFairValueOptionValuationAdjustmentsAndAccruedInterest_019db00b-1e55-7d47-b0aa-9e001fd22d0e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds_019db00b-1e55-74e8-88c5-f07395bf6898" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7146-8502-f24a86fab4b4" xlink:to="loc_us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds_019db00b-1e55-74e8-88c5-f07395bf6898" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesAmortizedCost_019db00b-1e55-7781-b61f-09183cfb5124" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7146-8502-f24a86fab4b4" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesAmortizedCost_019db00b-1e55-7781-b61f-09183cfb5124" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesHedgeValuationBasisAdjustments_019db00b-1e55-768e-be96-67e3007b8b53" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesHedgeValuationBasisAdjustments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7146-8502-f24a86fab4b4" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesHedgeValuationBasisAdjustments_019db00b-1e55-768e-be96-67e3007b8b53" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesHedgeBasisAdjustmentsOnDeDesignatedHedges_019db00b-1e55-7f83-b69a-dbf2971a73d0" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesHedgeBasisAdjustmentsOnDeDesignatedHedges"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7146-8502-f24a86fab4b4" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesHedgeBasisAdjustmentsOnDeDesignatedHedges_019db00b-1e55-7f83-b69a-dbf2971a73d0" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesFairValueOptionValuationAdjustmentsAndAccretion_019db00b-1e55-7752-a901-99eaadc06db2" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesFairValueOptionValuationAdjustmentsAndAccretion"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7146-8502-f24a86fab4b4" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesFairValueOptionValuationAdjustmentsAndAccretion_019db00b-1e55-7752-a901-99eaadc06db2" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankConsolidatedObligationsDiscountNotes_019db00b-1e55-79eb-b7c4-f8de53d7efd1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankConsolidatedObligationsDiscountNotes"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7146-8502-f24a86fab4b4" xlink:to="loc_us-gaap_FederalHomeLoanBankConsolidatedObligationsDiscountNotes_019db00b-1e55-79eb-b7c4-f8de53d7efd1" xlink:type="arc" order="9"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/ConsolidatedObligationsRedemptionTermsofConsolidatedObligationBondsDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#ConsolidatedObligationsRedemptionTermsofConsolidatedObligationBondsDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/ConsolidatedObligationsRedemptionTermsofConsolidatedObligationBondsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-746c-916b-302d180cb3a3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019db00b-1e55-7864-844d-18701b56b966" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-746c-916b-302d180cb3a3" xlink:to="loc_us-gaap_DebtInstrumentTable_019db00b-1e55-7864-844d-18701b56b966" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-71ce-90de-3f42f51d4c13" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019db00b-1e55-7864-844d-18701b56b966" xlink:to="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-71ce-90de-3f42f51d4c13" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-71ce-90de-3f42f51d4c13_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-71ce-90de-3f42f51d4c13" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-71ce-90de-3f42f51d4c13_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-74e2-9d81-d13e2dea79ba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-71ce-90de-3f42f51d4c13" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-74e2-9d81-d13e2dea79ba" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ConsolidatedObligationBondsMember_019db00b-1e55-7581-b5b6-c293bffd9bc0" xlink:href="fhlbny-20260630.xsd#fhlbny_ConsolidatedObligationBondsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-74e2-9d81-d13e2dea79ba" xlink:to="loc_fhlbny_ConsolidatedObligationBondsMember_019db00b-1e55-7581-b5b6-c293bffd9bc0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtByMaturityAbstract_019db00b-1e55-7d70-b159-e2d6e3dc9e54" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtByMaturityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-746c-916b-302d180cb3a3" xlink:to="loc_us-gaap_LongTermDebtByMaturityAbstract_019db00b-1e55-7d70-b159-e2d6e3dc9e54" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_019db00b-1e55-7019-9b9d-c5f68ab6fa84" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongTermDebtByMaturityAbstract_019db00b-1e55-7d70-b159-e2d6e3dc9e54" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_019db00b-1e55-7019-9b9d-c5f68ab6fa84" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_019db00b-1e55-7013-8ff6-0039ec3547ff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongTermDebtByMaturityAbstract_019db00b-1e55-7d70-b159-e2d6e3dc9e54" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_019db00b-1e55-7013-8ff6-0039ec3547ff" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_019db00b-1e55-72ff-b558-28287f0a8295" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongTermDebtByMaturityAbstract_019db00b-1e55-7d70-b159-e2d6e3dc9e54" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_019db00b-1e55-72ff-b558-28287f0a8295" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_019db00b-1e55-7907-9524-5ecaff89696d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongTermDebtByMaturityAbstract_019db00b-1e55-7d70-b159-e2d6e3dc9e54" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_019db00b-1e55-7907-9524-5ecaff89696d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_019db00b-1e55-78cc-bae9-773e928fa794" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongTermDebtByMaturityAbstract_019db00b-1e55-7d70-b159-e2d6e3dc9e54" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_019db00b-1e55-78cc-bae9-773e928fa794" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_019db00b-1e55-7656-97e4-5b7de399b5b8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongTermDebtByMaturityAbstract_019db00b-1e55-7d70-b159-e2d6e3dc9e54" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_019db00b-1e55-7656-97e4-5b7de399b5b8" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_019db00b-1e55-7aa3-ad7d-5ba31b635402" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongTermDebtByMaturityAbstract_019db00b-1e55-7d70-b159-e2d6e3dc9e54" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_019db00b-1e55-7aa3-ad7d-5ba31b635402" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtByMaturityWeightedAverageInterestRateAbstract_019db00b-1e55-7fe0-98f8-ebafd8ba4f58" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtByMaturityWeightedAverageInterestRateAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-746c-916b-302d180cb3a3" xlink:to="loc_fhlbny_LongTermDebtByMaturityWeightedAverageInterestRateAbstract_019db00b-1e55-7fe0-98f8-ebafd8ba4f58" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtMaturityYearOneWeightedAverageRate_019db00b-1e55-7005-9b11-a4d578c9faa8" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtMaturityYearOneWeightedAverageRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_LongTermDebtByMaturityWeightedAverageInterestRateAbstract_019db00b-1e55-7fe0-98f8-ebafd8ba4f58" xlink:to="loc_fhlbny_LongTermDebtMaturityYearOneWeightedAverageRate_019db00b-1e55-7005-9b11-a4d578c9faa8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtMaturityYearTwoWeightedAverageRate_019db00b-1e55-71f1-9c03-8efdb4ce3434" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtMaturityYearTwoWeightedAverageRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_LongTermDebtByMaturityWeightedAverageInterestRateAbstract_019db00b-1e55-7fe0-98f8-ebafd8ba4f58" xlink:to="loc_fhlbny_LongTermDebtMaturityYearTwoWeightedAverageRate_019db00b-1e55-71f1-9c03-8efdb4ce3434" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtMaturityYearThreeWeightedAverageRate_019db00b-1e55-7128-864a-48579c39128a" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtMaturityYearThreeWeightedAverageRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_LongTermDebtByMaturityWeightedAverageInterestRateAbstract_019db00b-1e55-7fe0-98f8-ebafd8ba4f58" xlink:to="loc_fhlbny_LongTermDebtMaturityYearThreeWeightedAverageRate_019db00b-1e55-7128-864a-48579c39128a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtMaturityYearFourWeightedAverageRate_019db00b-1e55-75ea-a2e8-e4c7e8fed881" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtMaturityYearFourWeightedAverageRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_LongTermDebtByMaturityWeightedAverageInterestRateAbstract_019db00b-1e55-7fe0-98f8-ebafd8ba4f58" xlink:to="loc_fhlbny_LongTermDebtMaturityYearFourWeightedAverageRate_019db00b-1e55-75ea-a2e8-e4c7e8fed881" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtMaturityYearFiveWeightedAverageRate_019db00b-1e55-789c-879b-ec03fe498efd" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtMaturityYearFiveWeightedAverageRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_LongTermDebtByMaturityWeightedAverageInterestRateAbstract_019db00b-1e55-7fe0-98f8-ebafd8ba4f58" xlink:to="loc_fhlbny_LongTermDebtMaturityYearFiveWeightedAverageRate_019db00b-1e55-789c-879b-ec03fe498efd" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtMaturityAfterYearFiveWeightedAverageRate_019db00b-1e55-72d1-bfc5-78ca9c51220e" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtMaturityAfterYearFiveWeightedAverageRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_LongTermDebtByMaturityWeightedAverageInterestRateAbstract_019db00b-1e55-7fe0-98f8-ebafd8ba4f58" xlink:to="loc_fhlbny_LongTermDebtMaturityAfterYearFiveWeightedAverageRate_019db00b-1e55-72d1-bfc5-78ca9c51220e" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtWeightedAverageInterestRate_019db00b-1e55-7643-9a19-530e726d97b2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtWeightedAverageInterestRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_LongTermDebtByMaturityWeightedAverageInterestRateAbstract_019db00b-1e55-7fe0-98f8-ebafd8ba4f58" xlink:to="loc_us-gaap_LongtermDebtWeightedAverageInterestRate_019db00b-1e55-7643-9a19-530e726d97b2" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtPercentageOfTotalParValueAbstractAbstract_019db00b-1e55-70f0-b08f-5017ac046651" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtPercentageOfTotalParValueAbstractAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-746c-916b-302d180cb3a3" xlink:to="loc_fhlbny_LongTermDebtPercentageOfTotalParValueAbstractAbstract_019db00b-1e55-70f0-b08f-5017ac046651" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtMaturityYearOnePercentageOfTotal_019db00b-1e55-7eff-9c4e-d32503fef708" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtMaturityYearOnePercentageOfTotal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_LongTermDebtPercentageOfTotalParValueAbstractAbstract_019db00b-1e55-70f0-b08f-5017ac046651" xlink:to="loc_fhlbny_LongTermDebtMaturityYearOnePercentageOfTotal_019db00b-1e55-7eff-9c4e-d32503fef708" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtMaturityYearTwoPercentageOfTotal_019db00b-1e55-79d2-9143-2b1fe68962b4" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtMaturityYearTwoPercentageOfTotal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_LongTermDebtPercentageOfTotalParValueAbstractAbstract_019db00b-1e55-70f0-b08f-5017ac046651" xlink:to="loc_fhlbny_LongTermDebtMaturityYearTwoPercentageOfTotal_019db00b-1e55-79d2-9143-2b1fe68962b4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtMaturityYearThreePercentageOfTotal_019db00b-1e55-7655-8635-1f4f6c4a063a" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtMaturityYearThreePercentageOfTotal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_LongTermDebtPercentageOfTotalParValueAbstractAbstract_019db00b-1e55-70f0-b08f-5017ac046651" xlink:to="loc_fhlbny_LongTermDebtMaturityYearThreePercentageOfTotal_019db00b-1e55-7655-8635-1f4f6c4a063a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtMaturityYearFourPercentageOfTotal_019db00b-1e55-7570-91e2-7f9c03e4c402" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtMaturityYearFourPercentageOfTotal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_LongTermDebtPercentageOfTotalParValueAbstractAbstract_019db00b-1e55-70f0-b08f-5017ac046651" xlink:to="loc_fhlbny_LongTermDebtMaturityYearFourPercentageOfTotal_019db00b-1e55-7570-91e2-7f9c03e4c402" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtMaturityYearFivePercentageOfTotal_019db00b-1e55-7b5f-a3aa-d7fb29b0cc7b" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtMaturityYearFivePercentageOfTotal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_LongTermDebtPercentageOfTotalParValueAbstractAbstract_019db00b-1e55-70f0-b08f-5017ac046651" xlink:to="loc_fhlbny_LongTermDebtMaturityYearFivePercentageOfTotal_019db00b-1e55-7b5f-a3aa-d7fb29b0cc7b" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtMaturityAfterYearFivePercentageOfTotal_019db00b-1e55-7b11-a43b-8743bda72b51" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtMaturityAfterYearFivePercentageOfTotal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_LongTermDebtPercentageOfTotalParValueAbstractAbstract_019db00b-1e55-70f0-b08f-5017ac046651" xlink:to="loc_fhlbny_LongTermDebtMaturityAfterYearFivePercentageOfTotal_019db00b-1e55-7b11-a43b-8743bda72b51" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtMaturityPercentageOfTotal_019db00b-1e55-7d35-95e5-4e923fc0e7aa" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtMaturityPercentageOfTotal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_LongTermDebtPercentageOfTotalParValueAbstractAbstract_019db00b-1e55-70f0-b08f-5017ac046651" xlink:to="loc_fhlbny_LongTermDebtMaturityPercentageOfTotal_019db00b-1e55-7d35-95e5-4e923fc0e7aa" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedPremium_019db00b-1e55-735a-aadd-b6c648f71145" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentUnamortizedPremium"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-746c-916b-302d180cb3a3" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedPremium_019db00b-1e55-735a-aadd-b6c648f71145" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_019db00b-1e55-7ed7-871d-3b6f062cac99" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-746c-916b-302d180cb3a3" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_019db00b-1e55-7ed7-871d-3b6f062cac99" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsHedgeValuationAdjustments_019db00b-1e55-7925-94f1-827599306521" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsHedgeValuationAdjustments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-746c-916b-302d180cb3a3" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsHedgeValuationAdjustments_019db00b-1e55-7925-94f1-827599306521" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsHedgeBasisAdjustmentsOnDeDesignatedHedges_019db00b-1e55-71fb-bd63-7c62bd7ee9bc" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsHedgeBasisAdjustmentsOnDeDesignatedHedges"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-746c-916b-302d180cb3a3" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsHedgeBasisAdjustmentsOnDeDesignatedHedges_019db00b-1e55-71fb-bd63-7c62bd7ee9bc" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsFairValueOptionValuationAdjustmentsAndAccruedInterest_019db00b-1e55-7eec-882f-515bf3257156" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsFairValueOptionValuationAdjustmentsAndAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-746c-916b-302d180cb3a3" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsFairValueOptionValuationAdjustmentsAndAccruedInterest_019db00b-1e55-7eec-882f-515bf3257156" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds_019db00b-1e55-7356-af47-d850c620255f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-746c-916b-302d180cb3a3" xlink:to="loc_us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds_019db00b-1e55-7356-af47-d850c620255f" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/ConsolidatedObligationsInterestRatePaymentTermsofConsolidatedObligationBondsDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#ConsolidatedObligationsInterestRatePaymentTermsofConsolidatedObligationBondsDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/ConsolidatedObligationsInterestRatePaymentTermsofConsolidatedObligationBondsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7177-83dc-1def905bc071" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019db00b-1e55-78e8-b0d5-84ea8a25f0c8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7177-83dc-1def905bc071" xlink:to="loc_us-gaap_DebtInstrumentTable_019db00b-1e55-78e8-b0d5-84ea8a25f0c8" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-7a1e-ae4b-df08734f4588" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019db00b-1e55-78e8-b0d5-84ea8a25f0c8" xlink:to="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-7a1e-ae4b-df08734f4588" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-7a1e-ae4b-df08734f4588_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-7a1e-ae4b-df08734f4588" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-7a1e-ae4b-df08734f4588_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-795a-97ef-fdf8a2878603" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-7a1e-ae4b-df08734f4588" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-795a-97ef-fdf8a2878603" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ConsolidatedObligationBondsMember_019db00b-1e55-76b4-9496-1348becd426f" xlink:href="fhlbny-20260630.xsd#fhlbny_ConsolidatedObligationBondsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-795a-97ef-fdf8a2878603" xlink:to="loc_fhlbny_ConsolidatedObligationBondsMember_019db00b-1e55-76b4-9496-1348becd426f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_019db00b-1e55-7ba8-8774-949c4bb1fd04" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019db00b-1e55-78e8-b0d5-84ea8a25f0c8" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_019db00b-1e55-7ba8-8774-949c4bb1fd04" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019db00b-1e55-7ba8-8774-949c4bb1fd04_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019db00b-1e55-7ba8-8774-949c4bb1fd04" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019db00b-1e55-7ba8-8774-949c4bb1fd04_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019db00b-1e55-74ab-bd1e-8a5c1c7f5d03" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019db00b-1e55-7ba8-8774-949c4bb1fd04" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019db00b-1e55-74ab-bd1e-8a5c1c7f5d03" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FixedRateNonCallableMember_019db00b-1e55-74de-9e77-5254d3d17b62" xlink:href="fhlbny-20260630.xsd#fhlbny_FixedRateNonCallableMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019db00b-1e55-74ab-bd1e-8a5c1c7f5d03" xlink:to="loc_fhlbny_FixedRateNonCallableMember_019db00b-1e55-74de-9e77-5254d3d17b62" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FixedRateCallableMember_019db00b-1e55-706f-b4be-639e64151b95" xlink:href="fhlbny-20260630.xsd#fhlbny_FixedRateCallableMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019db00b-1e55-74ab-bd1e-8a5c1c7f5d03" xlink:to="loc_fhlbny_FixedRateCallableMember_019db00b-1e55-706f-b4be-639e64151b95" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_StepUpCallableMember_019db00b-1e55-7875-9d55-8eed7a25903a" xlink:href="fhlbny-20260630.xsd#fhlbny_StepUpCallableMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019db00b-1e55-74ab-bd1e-8a5c1c7f5d03" xlink:to="loc_fhlbny_StepUpCallableMember_019db00b-1e55-7875-9d55-8eed7a25903a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_StepDownCallableMember_019db00b-1e55-7e03-92bd-4665095b4ab2" xlink:href="fhlbny-20260630.xsd#fhlbny_StepDownCallableMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019db00b-1e55-74ab-bd1e-8a5c1c7f5d03" xlink:to="loc_fhlbny_StepDownCallableMember_019db00b-1e55-7e03-92bd-4665095b4ab2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FloatingRateCallableMember_019db00b-1e55-736e-93f2-be4213fd6a16" xlink:href="fhlbny-20260630.xsd#fhlbny_FloatingRateCallableMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019db00b-1e55-74ab-bd1e-8a5c1c7f5d03" xlink:to="loc_fhlbny_FloatingRateCallableMember_019db00b-1e55-736e-93f2-be4213fd6a16" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_SingleIndexFloatingRateMember_019db00b-1e55-7675-93fa-c0c14e176e55" xlink:href="fhlbny-20260630.xsd#fhlbny_SingleIndexFloatingRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019db00b-1e55-74ab-bd1e-8a5c1c7f5d03" xlink:to="loc_fhlbny_SingleIndexFloatingRateMember_019db00b-1e55-7675-93fa-c0c14e176e55" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_019db00b-1e55-7f5c-ab8e-ff10791d0dd3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7177-83dc-1def905bc071" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_019db00b-1e55-7f5c-ab8e-ff10791d0dd3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LongTermDebtPercentageOfTotal_019db00b-1e55-7f5c-9142-3dacf2aa0fc7" xlink:href="fhlbny-20260630.xsd#fhlbny_LongTermDebtPercentageOfTotal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7177-83dc-1def905bc071" xlink:to="loc_fhlbny_LongTermDebtPercentageOfTotal_019db00b-1e55-7f5c-9142-3dacf2aa0fc7" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/ConsolidatedObligationsOutstandingConsolidatedObligationDiscountNotesDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#ConsolidatedObligationsOutstandingConsolidatedObligationDiscountNotesDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/ConsolidatedObligationsOutstandingConsolidatedObligationDiscountNotesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7a53-81f4-b3981a317d20" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019db00b-1e55-73cd-a1ae-f5d72bcb8008" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7a53-81f4-b3981a317d20" xlink:to="loc_us-gaap_DebtInstrumentTable_019db00b-1e55-73cd-a1ae-f5d72bcb8008" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-795a-b249-a7732ca3f838" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019db00b-1e55-73cd-a1ae-f5d72bcb8008" xlink:to="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-795a-b249-a7732ca3f838" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-795a-b249-a7732ca3f838_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-795a-b249-a7732ca3f838" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-795a-b249-a7732ca3f838_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-7b74-a976-d3e380187196" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_019db00b-1e55-795a-b249-a7732ca3f838" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-7b74-a976-d3e380187196" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ConsolidatedObligationDiscountNotesMember_019db00b-1e55-74a0-ae99-a8b73b20a605" xlink:href="fhlbny-20260630.xsd#fhlbny_ConsolidatedObligationDiscountNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019db00b-1e55-7b74-a976-d3e380187196" xlink:to="loc_fhlbny_ConsolidatedObligationDiscountNotesMember_019db00b-1e55-74a0-ae99-a8b73b20a605" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermBorrowings_019db00b-1e55-7fe3-b077-da0658f9c60f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermBorrowings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7a53-81f4-b3981a317d20" xlink:to="loc_us-gaap_ShortTermBorrowings_019db00b-1e55-7fe3-b077-da0658f9c60f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesAmortizedCost_019db00b-1e55-70a6-a51a-3f6f176772ea" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7a53-81f4-b3981a317d20" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesAmortizedCost_019db00b-1e55-70a6-a51a-3f6f176772ea" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesHedgeValuationBasisAdjustments_019db00b-1e55-7f60-83bb-543b011b9993" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesHedgeValuationBasisAdjustments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7a53-81f4-b3981a317d20" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesHedgeValuationBasisAdjustments_019db00b-1e55-7f60-83bb-543b011b9993" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesHedgeBasisAdjustmentsOnDeDesignatedHedges_019db00b-1e55-74e7-a234-07116cf0958f" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesHedgeBasisAdjustmentsOnDeDesignatedHedges"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7a53-81f4-b3981a317d20" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesHedgeBasisAdjustmentsOnDeDesignatedHedges_019db00b-1e55-74e7-a234-07116cf0958f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesFairValueOptionValuationAdjustmentsAndAccretion_019db00b-1e55-7520-bcf2-3cfc5ee9564e" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesFairValueOptionValuationAdjustmentsAndAccretion"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7a53-81f4-b3981a317d20" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesFairValueOptionValuationAdjustmentsAndAccretion_019db00b-1e55-7520-bcf2-3cfc5ee9564e" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankConsolidatedObligationsDiscountNotes_019db00b-1e55-727d-805c-3031e48eab7a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankConsolidatedObligationsDiscountNotes"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7a53-81f4-b3981a317d20" xlink:to="loc_us-gaap_FederalHomeLoanBankConsolidatedObligationsDiscountNotes_019db00b-1e55-727d-805c-3031e48eab7a" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtWeightedAverageInterestRate_019db00b-1e55-71ac-8bd4-169aa3d7be72" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermDebtWeightedAverageInterestRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019db00b-1e55-7a53-81f4-b3981a317d20" xlink:to="loc_us-gaap_ShortTermDebtWeightedAverageInterestRate_019db00b-1e55-71ac-8bd4-169aa3d7be72" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/EmployeeRetirementPlansScheduleofCostsofRetirementPlansDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#EmployeeRetirementPlansScheduleofCostsofRetirementPlansDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/EmployeeRetirementPlansScheduleofCostsofRetirementPlansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_019d9a53-1104-76bf-9bfc-10919e61aa65" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_019d9a53-1104-7235-84ee-8940aabc96e3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_019d9a53-1104-76bf-9bfc-10919e61aa65" xlink:to="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_019d9a53-1104-7235-84ee-8940aabc96e3" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanNameAxis_019d9a53-1104-7883-8cc8-61a2516d2c9f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetirementPlanNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_019d9a53-1104-7235-84ee-8940aabc96e3" xlink:to="loc_us-gaap_RetirementPlanNameAxis_019d9a53-1104-7883-8cc8-61a2516d2c9f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanNameDomain_019d9a53-1104-7883-8cc8-61a2516d2c9f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetirementPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RetirementPlanNameAxis_019d9a53-1104-7883-8cc8-61a2516d2c9f" xlink:to="loc_us-gaap_RetirementPlanNameDomain_019d9a53-1104-7883-8cc8-61a2516d2c9f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanNameDomain_019d9a53-1104-74e4-825e-bc21825074bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetirementPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RetirementPlanNameAxis_019d9a53-1104-7883-8cc8-61a2516d2c9f" xlink:to="loc_us-gaap_RetirementPlanNameDomain_019d9a53-1104-74e4-825e-bc21825074bf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_QualifiedDefinedBenefitPlanMember_019d9a53-1104-75b3-94e8-c91887de7946" xlink:href="fhlbny-20260630.xsd#fhlbny_QualifiedDefinedBenefitPlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanNameDomain_019d9a53-1104-74e4-825e-bc21825074bf" xlink:to="loc_fhlbny_QualifiedDefinedBenefitPlanMember_019d9a53-1104-75b3-94e8-c91887de7946" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_NonQualifiedDeferredCompensationPlanMember_019d9a53-1104-7a65-9c8d-09ebbeae1c08" xlink:href="fhlbny-20260630.xsd#fhlbny_NonQualifiedDeferredCompensationPlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanNameDomain_019d9a53-1104-74e4-825e-bc21825074bf" xlink:to="loc_fhlbny_NonQualifiedDeferredCompensationPlanMember_019d9a53-1104-7a65-9c8d-09ebbeae1c08" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_QualifiedDefinedContributionPlanMember_019d9a53-1104-7f0a-bd2a-46f04c711216" xlink:href="fhlbny-20260630.xsd#fhlbny_QualifiedDefinedContributionPlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanNameDomain_019d9a53-1104-74e4-825e-bc21825074bf" xlink:to="loc_fhlbny_QualifiedDefinedContributionPlanMember_019d9a53-1104-7f0a-bd2a-46f04c711216" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_PostretirementHealthBenefitPlanMember_019d9a53-1104-7bbe-91e1-f715bfe73da6" xlink:href="fhlbny-20260630.xsd#fhlbny_PostretirementHealthBenefitPlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanNameDomain_019d9a53-1104-74e4-825e-bc21825074bf" xlink:to="loc_fhlbny_PostretirementHealthBenefitPlanMember_019d9a53-1104-7bbe-91e1-f715bfe73da6" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionAndOtherPostretirementBenefitExpense_019d9a53-1104-7297-8497-33f61155a9e0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PensionAndOtherPostretirementBenefitExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_019d9a53-1104-76bf-9bfc-10919e61aa65" xlink:to="loc_us-gaap_PensionAndOtherPostretirementBenefitExpense_019d9a53-1104-7297-8497-33f61155a9e0" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/EmployeeRetirementPlansScheduleofComponentsofNetPeriodicCostDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#EmployeeRetirementPlansScheduleofComponentsofNetPeriodicCostDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/EmployeeRetirementPlansScheduleofComponentsofNetPeriodicCostDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_019d9a53-1105-7e21-9458-66bf768388dc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_019d9a53-1105-7c44-9394-b1e1666cf79a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_019d9a53-1105-7e21-9458-66bf768388dc" xlink:to="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_019d9a53-1105-7c44-9394-b1e1666cf79a" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanNameAxis_019d9a53-1105-7664-8542-26f99884f29f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetirementPlanNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_019d9a53-1105-7c44-9394-b1e1666cf79a" xlink:to="loc_us-gaap_RetirementPlanNameAxis_019d9a53-1105-7664-8542-26f99884f29f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanNameDomain_019d9a53-1105-7664-8542-26f99884f29f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetirementPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RetirementPlanNameAxis_019d9a53-1105-7664-8542-26f99884f29f" xlink:to="loc_us-gaap_RetirementPlanNameDomain_019d9a53-1105-7664-8542-26f99884f29f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanNameDomain_019d9a53-1105-7768-964f-1e4cc1e42575" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetirementPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RetirementPlanNameAxis_019d9a53-1105-7664-8542-26f99884f29f" xlink:to="loc_us-gaap_RetirementPlanNameDomain_019d9a53-1105-7768-964f-1e4cc1e42575" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_NonQualifiedDeferredCompensationPlanMember_019d9a53-1105-7ddc-98d8-435cc31a6e72" xlink:href="fhlbny-20260630.xsd#fhlbny_NonQualifiedDeferredCompensationPlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanNameDomain_019d9a53-1105-7768-964f-1e4cc1e42575" xlink:to="loc_fhlbny_NonQualifiedDeferredCompensationPlanMember_019d9a53-1105-7ddc-98d8-435cc31a6e72" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_PostretirementHealthBenefitPlanMember_019d9a53-1105-774a-a27e-fd78593431c9" xlink:href="fhlbny-20260630.xsd#fhlbny_PostretirementHealthBenefitPlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanNameDomain_019d9a53-1105-7768-964f-1e4cc1e42575" xlink:to="loc_fhlbny_PostretirementHealthBenefitPlanMember_019d9a53-1105-774a-a27e-fd78593431c9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanServiceCost_019d9a53-1105-7efc-8ad1-b45d5fce55ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanServiceCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_019d9a53-1105-7e21-9458-66bf768388dc" xlink:to="loc_us-gaap_DefinedBenefitPlanServiceCost_019d9a53-1105-7efc-8ad1-b45d5fce55ab" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanInterestCost_019d9a53-1105-7e94-98cb-024bef1bad68" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanInterestCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_019d9a53-1105-7e21-9458-66bf768388dc" xlink:to="loc_us-gaap_DefinedBenefitPlanInterestCost_019d9a53-1105-7e94-98cb-024bef1bad68" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_019d9a53-1105-7bbd-9703-eb8ed2b2680d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_019d9a53-1105-7e21-9458-66bf768388dc" xlink:to="loc_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_019d9a53-1105-7bbd-9703-eb8ed2b2680d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_019d9a53-1105-7445-b58f-1098db4e1eac" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_019d9a53-1105-7e21-9458-66bf768388dc" xlink:to="loc_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_019d9a53-1105-7445-b58f-1098db4e1eac" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_019d9a53-1105-7738-a594-a46a4470a932" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_019d9a53-1105-7e21-9458-66bf768388dc" xlink:to="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_019d9a53-1105-7738-a594-a46a4470a932" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DefinedContributionPlanCostNet_019d9a53-1105-706a-b51f-01ad05dab1c2" xlink:href="fhlbny-20260630.xsd#fhlbny_DefinedContributionPlanCostNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_019d9a53-1105-7e21-9458-66bf768388dc" xlink:to="loc_fhlbny_DefinedContributionPlanCostNet_019d9a53-1105-706a-b51f-01ad05dab1c2" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionAndOtherPostretirementBenefitExpense_019d9a53-1105-76f5-b934-08bca85cb95d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PensionAndOtherPostretirementBenefitExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_019d9a53-1105-7e21-9458-66bf768388dc" xlink:to="loc_us-gaap_PensionAndOtherPostretirementBenefitExpense_019d9a53-1105-76f5-b934-08bca85cb95d" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/DerivativesandHedgingActivitiesScheduleofFHLBNYsDerivativeActivitiesBasedonNotionalAmountsDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#DerivativesandHedgingActivitiesScheduleofFHLBNYsDerivativeActivitiesBasedonNotionalAmountsDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/DerivativesandHedgingActivitiesScheduleofFHLBNYsDerivativeActivitiesBasedonNotionalAmountsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7cd3-9878-e9cc873df3a3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-7c4a-af50-d9a48e8b1e4a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7cd3-9878-e9cc873df3a3" xlink:to="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-7c4a-af50-d9a48e8b1e4a" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb8-78e1-9680-3b1f5f62ac92" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-7c4a-af50-d9a48e8b1e4a" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb8-78e1-9680-3b1f5f62ac92" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-78e1-9680-3b1f5f62ac92_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb8-78e1-9680-3b1f5f62ac92" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-78e1-9680-3b1f5f62ac92_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7d98-a46e-94b37e221aaa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb8-78e1-9680-3b1f5f62ac92" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7d98-a46e-94b37e221aaa" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_019d9e4a-ceb8-7a32-a337-f837aac0d89f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7d98-a46e-94b37e221aaa" xlink:to="loc_us-gaap_InterestRateSwapMember_019d9e4a-ceb8-7a32-a337-f837aac0d89f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateCapMember_019d9e4a-ceb8-71d5-a2d1-b6f7fc21b06d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateCapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7d98-a46e-94b37e221aaa" xlink:to="loc_us-gaap_InterestRateCapMember_019d9e4a-ceb8-71d5-a2d1-b6f7fc21b06d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_MortgageDeliveryCommitmentsMember_019d9e4a-ceb8-7bea-9ffb-c3f31b1ee183" xlink:href="fhlbny-20260630.xsd#fhlbny_MortgageDeliveryCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7d98-a46e-94b37e221aaa" xlink:to="loc_fhlbny_MortgageDeliveryCommitmentsMember_019d9e4a-ceb8-7bea-9ffb-c3f31b1ee183" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_019d9e4a-ceb8-78d0-98ec-b83328ce086a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7cd3-9878-e9cc873df3a3" xlink:to="loc_us-gaap_DerivativeNotionalAmount_019d9e4a-ceb8-78d0-98ec-b83328ce086a" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/DerivativesandHedgingActivitiesScheduleofOffsettingofDerivativeAssetsandDerivativeLiabilitiesDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#DerivativesandHedgingActivitiesScheduleofOffsettingofDerivativeAssetsandDerivativeLiabilitiesDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/DerivativesandHedgingActivitiesScheduleofOffsettingofDerivativeAssetsandDerivativeLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7d5a-ba67-40ebccce5229" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-788a-ab8b-2550cd8acffb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7d5a-ba67-40ebccce5229" xlink:to="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-788a-ab8b-2550cd8acffb" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransactionTypeAxis_019d9e4a-ceb8-77af-b8a1-b520f12b34cf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransactionTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-788a-ab8b-2550cd8acffb" xlink:to="loc_us-gaap_TransactionTypeAxis_019d9e4a-ceb8-77af-b8a1-b520f12b34cf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransactionDomain_019d9e4a-ceb8-77af-b8a1-b520f12b34cf_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransactionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_TransactionTypeAxis_019d9e4a-ceb8-77af-b8a1-b520f12b34cf" xlink:to="loc_us-gaap_TransactionDomain_019d9e4a-ceb8-77af-b8a1-b520f12b34cf_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransactionDomain_019d9e4a-ceb8-7a1e-ae56-597c45dc4267" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransactionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_TransactionTypeAxis_019d9e4a-ceb8-77af-b8a1-b520f12b34cf" xlink:to="loc_us-gaap_TransactionDomain_019d9e4a-ceb8-7a1e-ae56-597c45dc4267" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OverTheCounterMember_019d9e4a-ceb8-7f40-8aa1-a5386c7aabf7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OverTheCounterMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransactionDomain_019d9e4a-ceb8-7a1e-ae56-597c45dc4267" xlink:to="loc_us-gaap_OverTheCounterMember_019d9e4a-ceb8-7f40-8aa1-a5386c7aabf7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExchangeClearedMember_019d9e4a-ceb8-76fe-a5fd-bd928e2b46a4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ExchangeClearedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransactionDomain_019d9e4a-ceb8-7a1e-ae56-597c45dc4267" xlink:to="loc_us-gaap_ExchangeClearedMember_019d9e4a-ceb8-76fe-a5fd-bd928e2b46a4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019d9e4a-ceb8-7fa1-9b15-91670824fccf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingDerivativeAssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7d5a-ba67-40ebccce5229" xlink:to="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019d9e4a-ceb8-7fa1-9b15-91670824fccf" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_019d9e4a-ceb8-7a5d-a3ad-8d65c7b647e4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019d9e4a-ceb8-7fa1-9b15-91670824fccf" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_019d9e4a-ceb8-7a5d-a3ad-8d65c7b647e4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset_019d9e4a-ceb8-712f-a8a0-54777512a85f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019d9e4a-ceb8-7fa1-9b15-91670824fccf" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset_019d9e4a-ceb8-712f-a8a0-54777512a85f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetAfterOffsetSubjectToMasterNettingArrangement_019d9e4a-ceb8-7a70-9060-6478c043983a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetAfterOffsetSubjectToMasterNettingArrangement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019d9e4a-ceb8-7fa1-9b15-91670824fccf" xlink:to="loc_us-gaap_DerivativeAssetAfterOffsetSubjectToMasterNettingArrangement_019d9e4a-ceb8-7a70-9060-6478c043983a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetNotSubjectToMasterNettingArrangement_019d9e4a-ceb8-7115-9d1c-63c1635005fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetNotSubjectToMasterNettingArrangement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019d9e4a-ceb8-7fa1-9b15-91670824fccf" xlink:to="loc_us-gaap_DerivativeAssetNotSubjectToMasterNettingArrangement_019d9e4a-ceb8-7115-9d1c-63c1635005fd" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019d9e4a-ceb8-7e11-9276-d3cd8a445d46" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019d9e4a-ceb8-7fa1-9b15-91670824fccf" xlink:to="loc_us-gaap_DerivativeAssets_019d9e4a-ceb8-7e11-9276-d3cd8a445d46" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DerivativeAssetSubjectToMasterNettingArrangementSecurityCollateralPledged_019d9e4a-ceb8-7095-b459-6380717d93b5" xlink:href="fhlbny-20260630.xsd#fhlbny_DerivativeAssetSubjectToMasterNettingArrangementSecurityCollateralPledged"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019d9e4a-ceb8-7fa1-9b15-91670824fccf" xlink:to="loc_fhlbny_DerivativeAssetSubjectToMasterNettingArrangementSecurityCollateralPledged_019d9e4a-ceb8-7095-b459-6380717d93b5" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_019d9e4a-ceb8-7016-b4a0-6a546bbb0e50" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralObligationToReturnSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019d9e4a-ceb8-7fa1-9b15-91670824fccf" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_019d9e4a-ceb8-7016-b4a0-6a546bbb0e50" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DerivativeAssetSubjectToMasterNettingArrangementSecurityCollateralPledgedNet_019d9e4a-ceb8-7787-b9a5-056090c40422" xlink:href="fhlbny-20260630.xsd#fhlbny_DerivativeAssetSubjectToMasterNettingArrangementSecurityCollateralPledgedNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019d9e4a-ceb8-7fa1-9b15-91670824fccf" xlink:to="loc_fhlbny_DerivativeAssetSubjectToMasterNettingArrangementSecurityCollateralPledgedNet_019d9e4a-ceb8-7787-b9a5-056090c40422" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019d9e4a-ceb8-7cf4-a7dd-2c056fc36461" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019d9e4a-ceb8-7fa1-9b15-91670824fccf" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019d9e4a-ceb8-7cf4-a7dd-2c056fc36461" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019d9e4a-ceb8-738a-8393-5f43f5a1372d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingDerivativeLiabilitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7d5a-ba67-40ebccce5229" xlink:to="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019d9e4a-ceb8-738a-8393-5f43f5a1372d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019d9e4a-ceb8-753a-8dc9-4527f78d7095" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019d9e4a-ceb8-738a-8393-5f43f5a1372d" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019d9e4a-ceb8-753a-8dc9-4527f78d7095" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset_019d9e4a-ceb8-7c20-a21b-4bf451cddc7f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019d9e4a-ceb8-738a-8393-5f43f5a1372d" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset_019d9e4a-ceb8-7c20-a21b-4bf451cddc7f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityAfterOffsetSubjectToMasterNettingArrangement_019d9e4a-ceb8-7992-9d1e-975b7a506bf0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityAfterOffsetSubjectToMasterNettingArrangement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019d9e4a-ceb8-738a-8393-5f43f5a1372d" xlink:to="loc_us-gaap_DerivativeLiabilityAfterOffsetSubjectToMasterNettingArrangement_019d9e4a-ceb8-7992-9d1e-975b7a506bf0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityNotSubjectToMasterNettingArrangement_019d9e4a-ceb8-743c-8281-008e16c3f9f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityNotSubjectToMasterNettingArrangement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019d9e4a-ceb8-738a-8393-5f43f5a1372d" xlink:to="loc_us-gaap_DerivativeLiabilityNotSubjectToMasterNettingArrangement_019d9e4a-ceb8-743c-8281-008e16c3f9f3" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019d9e4a-ceb8-7f0c-861e-80dc1f464f20" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019d9e4a-ceb8-738a-8393-5f43f5a1372d" xlink:to="loc_us-gaap_DerivativeLiabilities_019d9e4a-ceb8-7f0c-861e-80dc1f464f20" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019d9e4a-ceb8-7513-b842-eb47907aec96" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019d9e4a-ceb8-738a-8393-5f43f5a1372d" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019d9e4a-ceb8-7513-b842-eb47907aec96" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/DerivativesandHedgingActivitiesScheduleofNotionalBalancesandEstimatedFairValuesoftheDerivativesOutstandingDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#DerivativesandHedgingActivitiesScheduleofNotionalBalancesandEstimatedFairValuesoftheDerivativesOutstandingDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/DerivativesandHedgingActivitiesScheduleofNotionalBalancesandEstimatedFairValuesoftheDerivativesOutstandingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7f80-bb39-5491234bd441" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-744c-b786-2973b7909c3f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7f80-bb39-5491234bd441" xlink:to="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-744c-b786-2973b7909c3f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb8-7bfc-b647-e15ebd32382f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-744c-b786-2973b7909c3f" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb8-7bfc-b647-e15ebd32382f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7bfc-b647-e15ebd32382f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb8-7bfc-b647-e15ebd32382f" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7bfc-b647-e15ebd32382f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7a17-bac2-7ea1cd1e3942" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb8-7bfc-b647-e15ebd32382f" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7a17-bac2-7ea1cd1e3942" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_019d9e4a-ceb8-7b65-a11f-584d965cb034" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7a17-bac2-7ea1cd1e3942" xlink:to="loc_us-gaap_InterestRateSwapMember_019d9e4a-ceb8-7b65-a11f-584d965cb034" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateCapMember_019d9e4a-ceb8-7cb4-b9e7-2d3dc4215c87" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateCapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7a17-bac2-7ea1cd1e3942" xlink:to="loc_us-gaap_InterestRateCapMember_019d9e4a-ceb8-7cb4-b9e7-2d3dc4215c87" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_MortgageDeliveryCommitmentsMember_019d9e4a-ceb8-799d-8f63-105e94cf5fa4" xlink:href="fhlbny-20260630.xsd#fhlbny_MortgageDeliveryCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7a17-bac2-7ea1cd1e3942" xlink:to="loc_fhlbny_MortgageDeliveryCommitmentsMember_019d9e4a-ceb8-799d-8f63-105e94cf5fa4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_019d9e4a-ceb8-7725-80e1-ef0867a2b550" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-744c-b786-2973b7909c3f" xlink:to="loc_us-gaap_HedgingDesignationAxis_019d9e4a-ceb8-7725-80e1-ef0867a2b550" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019d9e4a-ceb8-7725-80e1-ef0867a2b550_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_HedgingDesignationAxis_019d9e4a-ceb8-7725-80e1-ef0867a2b550" xlink:to="loc_us-gaap_HedgingDesignationDomain_019d9e4a-ceb8-7725-80e1-ef0867a2b550_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019d9e4a-ceb8-7caa-8724-69933f20562a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_HedgingDesignationAxis_019d9e4a-ceb8-7725-80e1-ef0867a2b550" xlink:to="loc_us-gaap_HedgingDesignationDomain_019d9e4a-ceb8-7caa-8724-69933f20562a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019d9e4a-ceb8-77c1-9de7-01fb4f95d233" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_019d9e4a-ceb8-7caa-8724-69933f20562a" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019d9e4a-ceb8-77c1-9de7-01fb4f95d233" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_019d9e4a-ceb8-791c-ace1-23e075fd2aeb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NondesignatedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_019d9e4a-ceb8-7caa-8724-69933f20562a" xlink:to="loc_us-gaap_NondesignatedMember_019d9e4a-ceb8-791c-ace1-23e075fd2aeb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_019d9e4a-ceb8-7a11-9622-517b4e795f0c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7f80-bb39-5491234bd441" xlink:to="loc_us-gaap_DerivativeNotionalAmount_019d9e4a-ceb8-7a11-9622-517b4e795f0c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueNetAbstract_019d9e4a-ceb8-72ee-93a7-7f0e188d1f8c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueNetAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7f80-bb39-5491234bd441" xlink:to="loc_us-gaap_DerivativeAssetFairValueNetAbstract_019d9e4a-ceb8-72ee-93a7-7f0e188d1f8c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019d9e4a-ceb8-75e6-a60b-39d124fde21b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetFairValueNetAbstract_019d9e4a-ceb8-72ee-93a7-7f0e188d1f8c" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019d9e4a-ceb8-75e6-a60b-39d124fde21b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiability_019d9e4a-ceb8-76c0-9ee5-f4efe965a988" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetFairValueNetAbstract_019d9e4a-ceb8-72ee-93a7-7f0e188d1f8c" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiability_019d9e4a-ceb8-76c0-9ee5-f4efe965a988" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_019d9e4a-ceb8-74a4-8607-f491bc8a4034" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetFairValueNetAbstract_019d9e4a-ceb8-72ee-93a7-7f0e188d1f8c" xlink:to="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_019d9e4a-ceb8-74a4-8607-f491bc8a4034" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset_019d9e4a-ceb8-7169-a0e9-b5bfdfa7b8a0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetFairValueNetAbstract_019d9e4a-ceb8-72ee-93a7-7f0e188d1f8c" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset_019d9e4a-ceb8-7169-a0e9-b5bfdfa7b8a0" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019d9e4a-ceb8-7d91-b2b0-2d9d25c35b51" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetFairValueNetAbstract_019d9e4a-ceb8-72ee-93a7-7f0e188d1f8c" xlink:to="loc_us-gaap_DerivativeAssets_019d9e4a-ceb8-7d91-b2b0-2d9d25c35b51" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DerivativeAssetSubjectToMasterNettingArrangementSecurityCollateralPledged_019d9e4a-ceb8-7711-b084-c144c572d307" xlink:href="fhlbny-20260630.xsd#fhlbny_DerivativeAssetSubjectToMasterNettingArrangementSecurityCollateralPledged"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetFairValueNetAbstract_019d9e4a-ceb8-72ee-93a7-7f0e188d1f8c" xlink:to="loc_fhlbny_DerivativeAssetSubjectToMasterNettingArrangementSecurityCollateralPledged_019d9e4a-ceb8-7711-b084-c144c572d307" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_019d9e4a-ceb8-7fba-8f40-9aa2545433f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralObligationToReturnSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetFairValueNetAbstract_019d9e4a-ceb8-72ee-93a7-7f0e188d1f8c" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_019d9e4a-ceb8-7fba-8f40-9aa2545433f4" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DerivativeAssetSubjectToMasterNettingArrangementSecurityCollateralPledgedNet_019d9e4a-ceb8-7e8a-aabc-81529ce2e3bc" xlink:href="fhlbny-20260630.xsd#fhlbny_DerivativeAssetSubjectToMasterNettingArrangementSecurityCollateralPledgedNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetFairValueNetAbstract_019d9e4a-ceb8-72ee-93a7-7f0e188d1f8c" xlink:to="loc_fhlbny_DerivativeAssetSubjectToMasterNettingArrangementSecurityCollateralPledgedNet_019d9e4a-ceb8-7e8a-aabc-81529ce2e3bc" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019d9e4a-ceb8-75d2-82cd-d0f9c624d10e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetFairValueNetAbstract_019d9e4a-ceb8-72ee-93a7-7f0e188d1f8c" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019d9e4a-ceb8-75d2-82cd-d0f9c624d10e" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueNetAbstract_019d9e4a-ceb8-76eb-84a0-285a9e930dd1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueNetAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7f80-bb39-5491234bd441" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueNetAbstract_019d9e4a-ceb8-76eb-84a0-285a9e930dd1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019d9e4a-ceb8-7905-af3e-cedf4a18a17d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueNetAbstract_019d9e4a-ceb8-76eb-84a0-285a9e930dd1" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019d9e4a-ceb8-7905-af3e-cedf4a18a17d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_019d9e4a-ceb8-7937-9b67-3eab9493357e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueNetAbstract_019d9e4a-ceb8-76eb-84a0-285a9e930dd1" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_019d9e4a-ceb8-7937-9b67-3eab9493357e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset_019d9e4a-ceb8-7d0e-8278-e4230d31af19" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueNetAbstract_019d9e4a-ceb8-76eb-84a0-285a9e930dd1" xlink:to="loc_us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset_019d9e4a-ceb8-7d0e-8278-e4230d31af19" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset_019d9e4a-ceb8-70fd-816f-0807c8095700" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueNetAbstract_019d9e4a-ceb8-76eb-84a0-285a9e930dd1" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset_019d9e4a-ceb8-70fd-816f-0807c8095700" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019d9e4a-ceb8-7b65-b5a0-7c7049e381fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueNetAbstract_019d9e4a-ceb8-76eb-84a0-285a9e930dd1" xlink:to="loc_us-gaap_DerivativeLiabilities_019d9e4a-ceb8-7b65-b5a0-7c7049e381fd" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/DerivativesandHedgingActivitiesScheduleofFairValueHedgeGainsandLossesDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#DerivativesandHedgingActivitiesScheduleofFairValueHedgeGainsandLossesDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/DerivativesandHedgingActivitiesScheduleofFairValueHedgeGainsandLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-738f-99e8-32c6e45f2232" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-743c-9f55-81de40677f69" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-738f-99e8-32c6e45f2232" xlink:to="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-743c-9f55-81de40677f69" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb8-7c27-b46e-f7cbec5cd6f2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-743c-9f55-81de40677f69" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb8-7c27-b46e-f7cbec5cd6f2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7c27-b46e-f7cbec5cd6f2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb8-7c27-b46e-f7cbec5cd6f2" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7c27-b46e-f7cbec5cd6f2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7e80-9a72-3a9fd279bfb8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb8-7c27-b46e-f7cbec5cd6f2" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7e80-9a72-3a9fd279bfb8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateContractMember_019d9e4a-ceb8-7480-8b9d-f6c92b7d0f95" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateContractMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb8-7e80-9a72-3a9fd279bfb8" xlink:to="loc_us-gaap_InterestRateContractMember_019d9e4a-ceb8-7480-8b9d-f6c92b7d0f95" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_019d9e4a-ceb8-746e-8bf9-a7ef079c97cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-738f-99e8-32c6e45f2232" xlink:to="loc_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_019d9e4a-ceb8-746e-8bf9-a7ef079c97cd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_019d9e4a-ceb8-7fdc-8982-03303761e864" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-738f-99e8-32c6e45f2232" xlink:to="loc_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_019d9e4a-ceb8-7fdc-8982-03303761e864" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/DerivativesandHedgingActivitiesScheduleofCarryingAmountofFHLBNYsAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#DerivativesandHedgingActivitiesScheduleofCarryingAmountofFHLBNYsAssetsandLiabilitiesDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/DerivativesandHedgingActivitiesScheduleofCarryingAmountofFHLBNYsAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7142-8d48-cbed582073b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-73be-8dd8-4b74cd86af58" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7142-8d48-cbed582073b1" xlink:to="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-73be-8dd8-4b74cd86af58" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_019d9e4a-ceb8-7fd6-a20a-901b50b1f241" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-73be-8dd8-4b74cd86af58" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_019d9e4a-ceb8-7fd6-a20a-901b50b1f241" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019d9e4a-ceb8-7fd6-a20a-901b50b1f241_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_019d9e4a-ceb8-7fd6-a20a-901b50b1f241" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019d9e4a-ceb8-7fd6-a20a-901b50b1f241_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019d9e4a-ceb8-7d78-b129-1a11a15e73b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_019d9e4a-ceb8-7fd6-a20a-901b50b1f241" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019d9e4a-ceb8-7d78-b129-1a11a15e73b1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019d9e4a-ceb8-7357-b7eb-b175b24ba601" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019d9e4a-ceb8-7d78-b129-1a11a15e73b1" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019d9e4a-ceb8-7357-b7eb-b175b24ba601" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableforsaleSecuritiesMember_019d9e4a-ceb8-7295-99d5-fd8621109f91" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableforsaleSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019d9e4a-ceb8-7d78-b129-1a11a15e73b1" xlink:to="loc_us-gaap_AvailableforsaleSecuritiesMember_019d9e4a-ceb8-7295-99d5-fd8621109f91" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_019d9e4a-ceb8-75e8-95c6-a25daf2126a1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeTable_019d9e4a-ceb8-73be-8dd8-4b74cd86af58" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_019d9e4a-ceb8-75e8-95c6-a25daf2126a1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019d9e4a-ceb8-75e8-95c6-a25daf2126a1_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_019d9e4a-ceb8-75e8-95c6-a25daf2126a1" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019d9e4a-ceb8-75e8-95c6-a25daf2126a1_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019d9e4a-ceb8-7253-8f5a-9de66d02a6cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_019d9e4a-ceb8-75e8-95c6-a25daf2126a1" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019d9e4a-ceb8-7253-8f5a-9de66d02a6cd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ConsolidatedObligationBondsMember_019d9e4a-ceb8-76ae-a0fe-3553a33e076b" xlink:href="fhlbny-20260630.xsd#fhlbny_ConsolidatedObligationBondsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019d9e4a-ceb8-7253-8f5a-9de66d02a6cd" xlink:to="loc_fhlbny_ConsolidatedObligationBondsMember_019d9e4a-ceb8-76ae-a0fe-3553a33e076b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ConsolidatedObligationDiscountNotesMember_019d9e4a-ceb8-70bd-9285-5c7ce5963843" xlink:href="fhlbny-20260630.xsd#fhlbny_ConsolidatedObligationDiscountNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_019d9e4a-ceb8-7253-8f5a-9de66d02a6cd" xlink:to="loc_fhlbny_ConsolidatedObligationDiscountNotesMember_019d9e4a-ceb8-70bd-9285-5c7ce5963843" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedge_019d9e4a-ceb8-76f3-add2-53930935b358" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedAssetFairValueHedge"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7142-8d48-cbed582073b1" xlink:to="loc_us-gaap_HedgedAssetFairValueHedge_019d9e4a-ceb8-76f3-add2-53930935b358" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_019d9e4a-ceb8-754e-91b6-cc479ee4329d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7142-8d48-cbed582073b1" xlink:to="loc_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_019d9e4a-ceb8-754e-91b6-cc479ee4329d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetDiscontinuedFairValueHedgeCumulativeIncreaseDecrease_019d9e4a-ceb8-76ff-bd9b-85df268154e6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedAssetDiscontinuedFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7142-8d48-cbed582073b1" xlink:to="loc_us-gaap_HedgedAssetDiscontinuedFairValueHedgeCumulativeIncreaseDecrease_019d9e4a-ceb8-76ff-bd9b-85df268154e6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedLiabilityFairValueHedge_019d9e4a-ceb9-7800-bc63-56d008757026" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedLiabilityFairValueHedge"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7142-8d48-cbed582073b1" xlink:to="loc_us-gaap_HedgedLiabilityFairValueHedge_019d9e4a-ceb9-7800-bc63-56d008757026" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedLiabilityFairValueHedgeCumulativeIncreaseDecrease_019d9e4a-ceb9-7c00-9473-d44010c718c6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedLiabilityFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7142-8d48-cbed582073b1" xlink:to="loc_us-gaap_HedgedLiabilityFairValueHedgeCumulativeIncreaseDecrease_019d9e4a-ceb9-7c00-9473-d44010c718c6" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedLiabilityDiscontinuedFairValueHedgeCumulativeIncreaseDecrease_019d9e4a-ceb9-7762-97ad-a41238cabffa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedLiabilityDiscontinuedFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7142-8d48-cbed582073b1" xlink:to="loc_us-gaap_HedgedLiabilityDiscontinuedFairValueHedgeCumulativeIncreaseDecrease_019d9e4a-ceb9-7762-97ad-a41238cabffa" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_HedgedAssetFairValueHedgeParValue_019d9e4a-ceb9-7de8-84f9-65cea84462b0" xlink:href="fhlbny-20260630.xsd#fhlbny_HedgedAssetFairValueHedgeParValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7142-8d48-cbed582073b1" xlink:to="loc_fhlbny_HedgedAssetFairValueHedgeParValue_019d9e4a-ceb9-7de8-84f9-65cea84462b0" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_HedgedLiabilityDiscontinuedFairValueHedgeParValue_019d9e4a-ceb9-74ce-a49f-5173ecf9d8bf" xlink:href="fhlbny-20260630.xsd#fhlbny_HedgedLiabilityDiscontinuedFairValueHedgeParValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb8-7142-8d48-cbed582073b1" xlink:to="loc_fhlbny_HedgedLiabilityDiscontinuedFairValueHedgeParValue_019d9e4a-ceb9-74ce-a49f-5173ecf9d8bf" xlink:type="arc" order="7"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/DerivativesandHedgingActivitiesScheduleofCashFlowHedgeGainsandLossesDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#DerivativesandHedgingActivitiesScheduleofCashFlowHedgeGainsandLossesDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/DerivativesandHedgingActivitiesScheduleofCashFlowHedgeGainsandLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb9-770e-a6d6-ca1e03352789" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTable_019d9e4a-ceb9-773a-af51-ce25374ee0c6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb9-770e-a6d6-ca1e03352789" xlink:to="loc_us-gaap_DerivativeTable_019d9e4a-ceb9-773a-af51-ce25374ee0c6" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb9-78c9-a151-678dfb4112d2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeTable_019d9e4a-ceb9-773a-af51-ce25374ee0c6" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb9-78c9-a151-678dfb4112d2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb9-78c9-a151-678dfb4112d2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb9-78c9-a151-678dfb4112d2" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb9-78c9-a151-678dfb4112d2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb9-73e9-99d1-9bbbc167cafc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb9-78c9-a151-678dfb4112d2" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb9-73e9-99d1-9bbbc167cafc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateContractMember_019d9e4a-ceb9-73f0-b876-9c57aebce090" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateContractMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb9-73e9-99d1-9bbbc167cafc" xlink:to="loc_us-gaap_InterestRateContractMember_019d9e4a-ceb9-73f0-b876-9c57aebce090" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis_019d9e4a-ceb9-74a6-9566-2561c58ff9a7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeTable_019d9e4a-ceb9-773a-af51-ce25374ee0c6" xlink:to="loc_us-gaap_IncomeStatementLocationAxis_019d9e4a-ceb9-74a6-9566-2561c58ff9a7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_019d9e4a-ceb9-74a6-9566-2561c58ff9a7_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_019d9e4a-ceb9-74a6-9566-2561c58ff9a7" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_019d9e4a-ceb9-74a6-9566-2561c58ff9a7_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_019d9e4a-ceb9-76aa-80bf-8c94fc525857" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_019d9e4a-ceb9-74a6-9566-2561c58ff9a7" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_019d9e4a-ceb9-76aa-80bf-8c94fc525857" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseMember_019d9e4a-ceb9-7e9f-82b4-74d62001d300" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_019d9e4a-ceb9-76aa-80bf-8c94fc525857" xlink:to="loc_us-gaap_InterestExpenseMember_019d9e4a-ceb9-7e9f-82b4-74d62001d300" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpenseMember_019d9e4a-ceb9-72eb-9c51-8dc899b7717d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherNonoperatingIncomeExpenseMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_019d9e4a-ceb9-76aa-80bf-8c94fc525857" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpenseMember_019d9e4a-ceb9-72eb-9c51-8dc899b7717d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_019d9e4a-ceb9-7b13-b508-3a068f7f43e8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb9-770e-a6d6-ca1e03352789" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_019d9e4a-ceb9-7b13-b508-3a068f7f43e8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_019d9e4a-ceb9-7e14-99b8-638ed3e3d331" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb9-770e-a6d6-ca1e03352789" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_019d9e4a-ceb9-7e14-99b8-638ed3e3d331" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax_019d9e4a-ceb9-7775-80b4-a5ee72be9126" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb9-770e-a6d6-ca1e03352789" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTax_019d9e4a-ceb9-7775-80b4-a5ee72be9126" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_019d9e4a-ceb9-7485-8b85-7a48fc1c6479" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb9-770e-a6d6-ca1e03352789" xlink:to="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_019d9e4a-ceb9-7485-8b85-7a48fc1c6479" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/DerivativesandHedgingActivitiesScheduleofEconomicHedgesDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#DerivativesandHedgingActivitiesScheduleofEconomicHedgesDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/DerivativesandHedgingActivitiesScheduleofEconomicHedgesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb9-7cbc-bd73-b7727588ab0d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTable_019d9e4a-ceb9-7a98-8547-9f2877d8a58d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb9-7cbc-bd73-b7727588ab0d" xlink:to="loc_us-gaap_DerivativeTable_019d9e4a-ceb9-7a98-8547-9f2877d8a58d" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb9-7430-a495-b6ee034dec3d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeTable_019d9e4a-ceb9-7a98-8547-9f2877d8a58d" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb9-7430-a495-b6ee034dec3d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb9-7430-a495-b6ee034dec3d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb9-7430-a495-b6ee034dec3d" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb9-7430-a495-b6ee034dec3d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb9-728e-9d79-b31254eee10c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e4a-ceb9-7430-a495-b6ee034dec3d" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb9-728e-9d79-b31254eee10c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateContractMember_019d9e4a-ceb9-78cb-b87d-5d5e3defb362" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateContractMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb9-728e-9d79-b31254eee10c" xlink:to="loc_us-gaap_InterestRateContractMember_019d9e4a-ceb9-78cb-b87d-5d5e3defb362" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateCapMember_019d9e4a-ceb9-7f42-a6bc-5ab688a39dec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateCapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb9-728e-9d79-b31254eee10c" xlink:to="loc_us-gaap_InterestRateCapMember_019d9e4a-ceb9-7f42-a6bc-5ab688a39dec" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_MortgageDeliveryCommitmentsMember_019d9e4a-ceb9-77d5-9d4a-dda6581b9777" xlink:href="fhlbny-20260630.xsd#fhlbny_MortgageDeliveryCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019d9e4a-ceb9-728e-9d79-b31254eee10c" xlink:to="loc_fhlbny_MortgageDeliveryCommitmentsMember_019d9e4a-ceb9-77d5-9d4a-dda6581b9777" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_019d9e4a-ceb9-7b80-bcfd-63f05be61b19" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeTable_019d9e4a-ceb9-7a98-8547-9f2877d8a58d" xlink:to="loc_us-gaap_HedgingDesignationAxis_019d9e4a-ceb9-7b80-bcfd-63f05be61b19" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019d9e4a-ceb9-7b80-bcfd-63f05be61b19_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_HedgingDesignationAxis_019d9e4a-ceb9-7b80-bcfd-63f05be61b19" xlink:to="loc_us-gaap_HedgingDesignationDomain_019d9e4a-ceb9-7b80-bcfd-63f05be61b19_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019d9e4a-ceb9-78c9-a0da-1ba93d5b2fe8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_HedgingDesignationAxis_019d9e4a-ceb9-7b80-bcfd-63f05be61b19" xlink:to="loc_us-gaap_HedgingDesignationDomain_019d9e4a-ceb9-78c9-a0da-1ba93d5b2fe8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotDesignatedAsHedgingInstrumentEconomicHedgeMember_019d9e4a-ceb9-78e3-b953-b2de7029b033" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NotDesignatedAsHedgingInstrumentEconomicHedgeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_019d9e4a-ceb9-78c9-a0da-1ba93d5b2fe8" xlink:to="loc_us-gaap_NotDesignatedAsHedgingInstrumentEconomicHedgeMember_019d9e4a-ceb9-78e3-b953-b2de7029b033" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossOnDerivativeNet_019d9e4a-ceb9-7ecd-88d9-6357c88cb68b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeGainLossOnDerivativeNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019d9e4a-ceb9-7cbc-bd73-b7727588ab0d" xlink:to="loc_us-gaap_DerivativeGainLossOnDerivativeNet_019d9e4a-ceb9-7ecd-88d9-6357c88cb68b" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/FairValuesofFinancialInstrumentsScheduleofEstimatedFairValuesDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#FairValuesofFinancialInstrumentsScheduleofEstimatedFairValuesDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/FairValuesofFinancialInstrumentsScheduleofEstimatedFairValuesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019d9e80-d178-79be-8f75-4bad0b1972a5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019d9e80-d177-7809-a84b-b76e6d29ce40" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019d9e80-d178-79be-8f75-4bad0b1972a5" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019d9e80-d177-7809-a84b-b76e6d29ce40" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_019d9e80-d177-7a3f-805c-9464a80a4ebb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019d9e80-d177-7809-a84b-b76e6d29ce40" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_019d9e80-d177-7a3f-805c-9464a80a4ebb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019d9e80-d177-7a3f-805c-9464a80a4ebb_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_019d9e80-d177-7a3f-805c-9464a80a4ebb" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019d9e80-d177-7a3f-805c-9464a80a4ebb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019d9e80-d177-7902-9763-9be61bc214c0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_019d9e80-d177-7a3f-805c-9464a80a4ebb" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019d9e80-d177-7902-9763-9be61bc214c0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019d9e80-d177-7a3d-8797-dbcf80f15087" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019d9e80-d177-7902-9763-9be61bc214c0" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019d9e80-d177-7a3d-8797-dbcf80f15087" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_019d9e80-d178-7785-bce4-e3d24355cf11" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019d9e80-d177-7a3d-8797-dbcf80f15087" xlink:to="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_019d9e80-d178-7785-bce4-e3d24355cf11" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_019d9e80-d178-7924-b597-6e26247ff1c2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019d9e80-d177-7a3d-8797-dbcf80f15087" xlink:to="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_019d9e80-d178-7924-b597-6e26247ff1c2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019d9e80-d178-7671-b0ea-483d79f9d621" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019d9e80-d177-7809-a84b-b76e6d29ce40" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019d9e80-d178-7671-b0ea-483d79f9d621" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-7671-b0ea-483d79f9d621_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019d9e80-d178-7671-b0ea-483d79f9d621" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-7671-b0ea-483d79f9d621_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-7f02-9456-730d540995e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019d9e80-d178-7671-b0ea-483d79f9d621" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-7f02-9456-730d540995e1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019d9e80-d178-7e06-aff1-19aff898aa25" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-7f02-9456-730d540995e1" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019d9e80-d178-7e06-aff1-19aff898aa25" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019d9e80-d178-7983-a090-2c3c6dc2eca7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-7f02-9456-730d540995e1" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019d9e80-d178-7983-a090-2c3c6dc2eca7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019d9e80-d178-7b4d-89b7-6f8707c56913" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-7f02-9456-730d540995e1" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019d9e80-d178-7b4d-89b7-6f8707c56913" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019d9e80-d178-79be-8f75-4bad0b1972a5" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks_019d9e80-d178-7e09-9de7-56754e6d2283" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:to="loc_us-gaap_CashAndDueFromBanks_019d9e80-d178-7e09-9de7-56754e6d2283" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositsInBanks_019d9e80-d178-7f8c-b64a-f6c8147d2f42" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestBearingDepositsInBanks"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:to="loc_us-gaap_InterestBearingDepositsInBanks_019d9e80-d178-7f8c-b64a-f6c8147d2f42" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_019d9e80-d178-7859-ba11-003992fe882e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_019d9e80-d178-7859-ba11-003992fe882e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFundsSold_019d9e80-d178-7c14-9a83-b6774e0163f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalFundsSold"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:to="loc_us-gaap_FederalFundsSold_019d9e80-d178-7c14-9a83-b6774e0163f4" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_019d9e80-d178-7974-a014-dd7e2afdc1e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:to="loc_us-gaap_TradingSecuritiesDebt_019d9e80-d178-7974-a014-dd7e2afdc1e5" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019d9e80-d178-7454-a4d6-c0f23d78467c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019d9e80-d178-7454-a4d6-c0f23d78467c" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d9e80-d178-7043-96a9-33adb7743665" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d9e80-d178-7043-96a9-33adb7743665" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019d9e80-d178-7051-87bc-7399a651dba0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019d9e80-d178-7051-87bc-7399a651dba0" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvances_019d9e80-d178-75e1-847c-bd518faaa153" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvances"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvances_019d9e80-d178-75e1-847c-bd518faaa153" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_019d9e80-d178-787c-99c1-ad476c8c753f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_019d9e80-d178-787c-99c1-ad476c8c753f" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_019d9e80-d178-72d7-9f84-e4bd84327ac5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestReceivable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:to="loc_us-gaap_InterestReceivable_019d9e80-d178-72d7-9f84-e4bd84327ac5" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019d9e80-d178-7bdf-a9ef-365fd3a34577" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019d9e80-d178-7bdf-a9ef-365fd3a34577" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset_019d9e80-d178-7865-86b6-ae32116dfb59" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset_019d9e80-d178-7865-86b6-ae32116dfb59" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsFairValueDisclosure_019d9e80-d178-7070-8a90-a599adc16e5c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssetsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019d9e80-d178-740d-a440-e84cc58cc046" xlink:to="loc_us-gaap_OtherAssetsFairValueDisclosure_019d9e80-d178-7070-8a90-a599adc16e5c" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019d9e80-d178-792d-9dbc-e895741aba0b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019d9e80-d178-79be-8f75-4bad0b1972a5" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019d9e80-d178-792d-9dbc-e895741aba0b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsFairValueDisclosure_019d9e80-d178-70b5-b5ba-4bc27341cad9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019d9e80-d178-792d-9dbc-e895741aba0b" xlink:to="loc_us-gaap_DepositsFairValueDisclosure_019d9e80-d178-70b5-b5ba-4bc27341cad9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds_019d9e80-d178-76a9-b62a-efd25fe5a698" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019d9e80-d178-792d-9dbc-e895741aba0b" xlink:to="loc_us-gaap_FederalHomeLoanBankConsolidatedObligationsBonds_019d9e80-d178-76a9-b62a-efd25fe5a698" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankConsolidatedObligationsDiscountNotes_019d9e80-d178-7059-9186-17df91be9355" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankConsolidatedObligationsDiscountNotes"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019d9e80-d178-792d-9dbc-e895741aba0b" xlink:to="loc_us-gaap_FederalHomeLoanBankConsolidatedObligationsDiscountNotes_019d9e80-d178-7059-9186-17df91be9355" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount_019d9e80-d178-7e16-a50e-a7c3537b3790" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019d9e80-d178-792d-9dbc-e895741aba0b" xlink:to="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount_019d9e80-d178-7e16-a50e-a7c3537b3790" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent_019d9e80-d178-7f9a-a345-39266ed94d91" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019d9e80-d178-792d-9dbc-e895741aba0b" xlink:to="loc_us-gaap_InterestPayableCurrentAndNoncurrent_019d9e80-d178-7f9a-a345-39266ed94d91" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019d9e80-d178-7a6b-a0ca-af31937e60d3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019d9e80-d178-792d-9dbc-e895741aba0b" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019d9e80-d178-7a6b-a0ca-af31937e60d3" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset_019d9e80-d178-7363-a47b-fa44aea32f00" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019d9e80-d178-792d-9dbc-e895741aba0b" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset_019d9e80-d178-7363-a47b-fa44aea32f00" xlink:type="arc" order="7"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/FairValuesofFinancialInstrumentsScheduleofFairValueofAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#FairValuesofFinancialInstrumentsScheduleofFairValueofAssetsandLiabilitiesDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/FairValuesofFinancialInstrumentsScheduleofFairValueofAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019d9e80-d178-7286-b1e0-3a9f50a6c1f8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019d9e80-d178-74ea-a30e-a110ae0de0f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019d9e80-d178-7286-b1e0-3a9f50a6c1f8" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019d9e80-d178-74ea-a30e-a110ae0de0f3" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019d9e80-d178-76d0-b12e-b868d3e2af31" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019d9e80-d178-74ea-a30e-a110ae0de0f3" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019d9e80-d178-76d0-b12e-b868d3e2af31" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_019d9e80-d178-76d0-b12e-b868d3e2af31_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019d9e80-d178-76d0-b12e-b868d3e2af31" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_019d9e80-d178-76d0-b12e-b868d3e2af31_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_019d9e80-d178-7919-9af5-b58277172ffd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019d9e80-d178-76d0-b12e-b868d3e2af31" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_019d9e80-d178-7919-9af5-b58277172ffd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_019d9e80-d178-7ee8-9759-ba87680ce72e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_019d9e80-d178-7919-9af5-b58277172ffd" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_019d9e80-d178-7ee8-9759-ba87680ce72e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019d9e80-d178-7c25-8cba-3266557748e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019d9e80-d178-74ea-a30e-a110ae0de0f3" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019d9e80-d178-7c25-8cba-3266557748e1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-7c25-8cba-3266557748e1_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9e80-d178-7c25-8cba-3266557748e1" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-7c25-8cba-3266557748e1_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-78d6-b94d-4bacacc4c1b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9e80-d178-7c25-8cba-3266557748e1" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-78d6-b94d-4bacacc4c1b9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_019d9e80-d178-7f97-b4be-b34582fa4257" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-78d6-b94d-4bacacc4c1b9" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_019d9e80-d178-7f97-b4be-b34582fa4257" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_019d9e80-d178-7b89-87de-42bac94623ae" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-78d6-b94d-4bacacc4c1b9" xlink:to="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_019d9e80-d178-7b89-87de-42bac94623ae" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_HousingAndU.S.ObligationsMember_019d9e80-d178-7c8b-97be-ab72d7b6d1c9" xlink:href="fhlbny-20260630.xsd#fhlbny_HousingAndU.S.ObligationsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-78d6-b94d-4bacacc4c1b9" xlink:to="loc_fhlbny_HousingAndU.S.ObligationsMember_019d9e80-d178-7c8b-97be-ab72d7b6d1c9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019d9e80-d178-70d3-8578-4abcf3d5a232" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019d9e80-d178-74ea-a30e-a110ae0de0f3" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019d9e80-d178-70d3-8578-4abcf3d5a232" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-70d3-8578-4abcf3d5a232_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019d9e80-d178-70d3-8578-4abcf3d5a232" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-70d3-8578-4abcf3d5a232_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-778e-8c4a-73801cfd5ead" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019d9e80-d178-70d3-8578-4abcf3d5a232" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-778e-8c4a-73801cfd5ead" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019d9e80-d178-77b2-9356-8038aaa793c4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-778e-8c4a-73801cfd5ead" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019d9e80-d178-77b2-9356-8038aaa793c4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019d9e80-d178-77ca-9c40-6941978b4548" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-778e-8c4a-73801cfd5ead" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019d9e80-d178-77ca-9c40-6941978b4548" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019d9e80-d178-7c19-bae8-6581178d684b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-778e-8c4a-73801cfd5ead" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019d9e80-d178-7c19-bae8-6581178d684b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e80-d178-7241-bdc5-956a6e4a29a2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019d9e80-d178-74ea-a30e-a110ae0de0f3" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e80-d178-7241-bdc5-956a6e4a29a2" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019d9e80-d178-7241-bdc5-956a6e4a29a2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e80-d178-7241-bdc5-956a6e4a29a2" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019d9e80-d178-7241-bdc5-956a6e4a29a2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019d9e80-d178-7ffc-a718-b56e5236bfd7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019d9e80-d178-7241-bdc5-956a6e4a29a2" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019d9e80-d178-7ffc-a718-b56e5236bfd7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateContractMember_019d9e80-d178-7388-a513-f071bde4134a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateContractMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019d9e80-d178-7ffc-a718-b56e5236bfd7" xlink:to="loc_us-gaap_InterestRateContractMember_019d9e80-d178-7388-a513-f071bde4134a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_MortgageDeliveryCommitmentsMember_019d9e80-d178-7d95-ad10-7ac8852cd59e" xlink:href="fhlbny-20260630.xsd#fhlbny_MortgageDeliveryCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019d9e80-d178-7ffc-a718-b56e5236bfd7" xlink:to="loc_fhlbny_MortgageDeliveryCommitmentsMember_019d9e80-d178-7d95-ad10-7ac8852cd59e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract_019d9e80-d178-782c-beb0-8cae1aafe5be" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019d9e80-d178-7286-b1e0-3a9f50a6c1f8" xlink:to="loc_us-gaap_AssetsFairValueDisclosureAbstract_019d9e80-d178-782c-beb0-8cae1aafe5be" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesDebt_019d9e80-d178-756b-b61e-d040b6d7c223" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TradingSecuritiesDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019d9e80-d178-782c-beb0-8cae1aafe5be" xlink:to="loc_us-gaap_TradingSecuritiesDebt_019d9e80-d178-756b-b61e-d040b6d7c223" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019d9e80-d178-71b3-9b50-03d64ba3606b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019d9e80-d178-782c-beb0-8cae1aafe5be" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019d9e80-d178-71b3-9b50-03d64ba3606b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d9e80-d178-75f1-92b1-5a4523ed43c2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019d9e80-d178-782c-beb0-8cae1aafe5be" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019d9e80-d178-75f1-92b1-5a4523ed43c2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019d9e80-d178-72ba-8cae-088f0448f80f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019d9e80-d178-782c-beb0-8cae1aafe5be" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019d9e80-d178-72ba-8cae-088f0448f80f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset_019d9e80-d178-7f3f-8693-547911a50648" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019d9e80-d178-782c-beb0-8cae1aafe5be" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset_019d9e80-d178-7f3f-8693-547911a50648" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetNotSubjectToMasterNettingArrangement_019d9e80-d178-71ce-83f4-3d82e68a3b34" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetNotSubjectToMasterNettingArrangement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019d9e80-d178-782c-beb0-8cae1aafe5be" xlink:to="loc_us-gaap_DerivativeAssetNotSubjectToMasterNettingArrangement_019d9e80-d178-71ce-83f4-3d82e68a3b34" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_019d9e80-d178-7e6d-af6e-c825c9bd1a83" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019d9e80-d178-782c-beb0-8cae1aafe5be" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_019d9e80-d178-7e6d-af6e-c825c9bd1a83" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019d9e80-d178-7540-b708-c1d2ec18790c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019d9e80-d178-7286-b1e0-3a9f50a6c1f8" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019d9e80-d178-7540-b708-c1d2ec18790c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesFairValueOption_019d9e80-d178-706c-8bbe-3aed340ce0fe" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesFairValueOption"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019d9e80-d178-7540-b708-c1d2ec18790c" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsDiscountNotesFairValueOption_019d9e80-d178-706c-8bbe-3aed340ce0fe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsFairValueOption_019d9e80-d178-7cc6-9a4c-cf2cc24cda34" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsFairValueOption"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019d9e80-d178-7540-b708-c1d2ec18790c" xlink:to="loc_fhlbny_FederalHomeLoanBankConsolidatedObligationsBondsFairValueOption_019d9e80-d178-7cc6-9a4c-cf2cc24cda34" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019d9e80-d178-7ee0-a736-14ac42201566" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019d9e80-d178-7540-b708-c1d2ec18790c" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019d9e80-d178-7ee0-a736-14ac42201566" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset_019d9e80-d178-7009-a9f3-4f31faf60c2b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019d9e80-d178-7540-b708-c1d2ec18790c" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset_019d9e80-d178-7009-a9f3-4f31faf60c2b" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityNotSubjectToMasterNettingArrangement_019d9e80-d178-7ce2-b8fe-60026a87ef67" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityNotSubjectToMasterNettingArrangement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019d9e80-d178-7540-b708-c1d2ec18790c" xlink:to="loc_us-gaap_DerivativeLiabilityNotSubjectToMasterNettingArrangement_019d9e80-d178-7ce2-b8fe-60026a87ef67" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_019d9e80-d178-7235-81c2-6e4ea22e534c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019d9e80-d178-7540-b708-c1d2ec18790c" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosure_019d9e80-d178-7235-81c2-6e4ea22e534c" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/FairValuesofFinancialInstrumentsScheduleofRollForwardofLevel3AvailableForSaleSecuritiesDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#FairValuesofFinancialInstrumentsScheduleofRollForwardofLevel3AvailableForSaleSecuritiesDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/FairValuesofFinancialInstrumentsScheduleofRollForwardofLevel3AvailableForSaleSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9e80-d178-77df-bdb3-68c891c961d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019d9e80-d178-73df-898d-5867b90ef446" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9e80-d178-77df-bdb3-68c891c961d4" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019d9e80-d178-73df-898d-5867b90ef446" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019d9e80-d178-773e-94c9-081e5833bdc2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019d9e80-d178-73df-898d-5867b90ef446" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019d9e80-d178-773e-94c9-081e5833bdc2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-773e-94c9-081e5833bdc2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9e80-d178-773e-94c9-081e5833bdc2" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-773e-94c9-081e5833bdc2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-7682-a462-ec7f48ee1004" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9e80-d178-773e-94c9-081e5833bdc2" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-7682-a462-ec7f48ee1004" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_StateAndLocalHousingFinanceAgencyObligationsMember_019d9e80-d178-7325-ad90-cee9b2c285f8" xlink:href="fhlbny-20260630.xsd#fhlbny_StateAndLocalHousingFinanceAgencyObligationsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-7682-a462-ec7f48ee1004" xlink:to="loc_fhlbny_StateAndLocalHousingFinanceAgencyObligationsMember_019d9e80-d178-7325-ad90-cee9b2c285f8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019d9e80-d178-747e-87b5-81efcaafb36e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019d9e80-d178-77df-bdb3-68c891c961d4" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019d9e80-d178-747e-87b5-81efcaafb36e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_019d9e80-d178-7896-b99d-d616f3db2f25" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019d9e80-d178-747e-87b5-81efcaafb36e" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_019d9e80-d178-7896-b99d-d616f3db2f25" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_019d9e80-d178-769f-b0a7-05671534106a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019d9e80-d178-747e-87b5-81efcaafb36e" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_019d9e80-d178-769f-b0a7-05671534106a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_019f041e-40ad-722f-aa19-a0395b053229" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019d9e80-d178-747e-87b5-81efcaafb36e" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_019f041e-40ad-722f-aa19-a0395b053229" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_019f041e-40ad-76f7-a4dd-847ea3376ff1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_019d9e80-d178-747e-87b5-81efcaafb36e" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_019f041e-40ad-76f7-a4dd-847ea3376ff1" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_019d9e80-d178-71a3-b5d0-b5954a63e3a3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/FairValuesofFinancialInstrumentsScheduleofFairValueMeasuredonNonRecurringBasisDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#FairValuesofFinancialInstrumentsScheduleofFairValueMeasuredonNonRecurringBasisDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/FairValuesofFinancialInstrumentsScheduleofFairValueMeasuredonNonRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019d9e80-d178-7cc5-8348-56136ea73716" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019d9e80-d178-7dcc-86c1-623854401fd3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019d9e80-d178-7cc5-8348-56136ea73716" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019d9e80-d178-7dcc-86c1-623854401fd3" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019d9e80-d178-7df5-b994-90b86f9158fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019d9e80-d178-7dcc-86c1-623854401fd3" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019d9e80-d178-7df5-b994-90b86f9158fb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_019d9e80-d178-7df5-b994-90b86f9158fb_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019d9e80-d178-7df5-b994-90b86f9158fb" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_019d9e80-d178-7df5-b994-90b86f9158fb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_019d9e80-d178-747f-9f41-a75cabeb5cbd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019d9e80-d178-7df5-b994-90b86f9158fb" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_019d9e80-d178-747f-9f41-a75cabeb5cbd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember_019d9e80-d178-741e-ad84-df5bc8e6c326" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_019d9e80-d178-747f-9f41-a75cabeb5cbd" xlink:to="loc_us-gaap_FairValueMeasurementsNonrecurringMember_019d9e80-d178-741e-ad84-df5bc8e6c326" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019d9e80-d178-7579-96a8-f56df0db11a0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019d9e80-d178-7dcc-86c1-623854401fd3" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019d9e80-d178-7579-96a8-f56df0db11a0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-7579-96a8-f56df0db11a0_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019d9e80-d178-7579-96a8-f56df0db11a0" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-7579-96a8-f56df0db11a0_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-76c4-a4e5-a1781c1e62bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019d9e80-d178-7579-96a8-f56df0db11a0" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-76c4-a4e5-a1781c1e62bb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019d9e80-d178-7661-b712-bf795672dfc2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-76c4-a4e5-a1781c1e62bb" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019d9e80-d178-7661-b712-bf795672dfc2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019d9e80-d178-7a56-b6ce-89bc2703653d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-76c4-a4e5-a1781c1e62bb" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019d9e80-d178-7a56-b6ce-89bc2703653d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019d9e80-d178-7baf-90ed-5f8faf49211d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019d9e80-d178-76c4-a4e5-a1781c1e62bb" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019d9e80-d178-7baf-90ed-5f8faf49211d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_019d9e80-d178-73a1-88dc-4f6fc8e465ef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019d9e80-d178-7cc5-8348-56136ea73716" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_019d9e80-d178-73a1-88dc-4f6fc8e465ef" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateAcquiredThroughForeclosure_019d9e80-d178-774d-9279-445fb67e5609" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateAcquiredThroughForeclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019d9e80-d178-7cc5-8348-56136ea73716" xlink:to="loc_us-gaap_RealEstateAcquiredThroughForeclosure_019d9e80-d178-774d-9279-445fb67e5609" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_019d9e80-d178-7841-867d-72797bb3be3a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019d9e80-d178-7cc5-8348-56136ea73716" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_019d9e80-d178-7841-867d-72797bb3be3a" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/FairValuesofFinancialInstrumentsScheduleofActivityRelatedtoFinancialInstrumentsDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#FairValuesofFinancialInstrumentsScheduleofActivityRelatedtoFinancialInstrumentsDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/FairValuesofFinancialInstrumentsScheduleofActivityRelatedtoFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_019d9e80-d178-71d9-bd03-b58bc8452f29" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_019d9e80-d178-7ca4-8d81-2304d379c181" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_019d9e80-d178-71d9-bd03-b58bc8452f29" xlink:to="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_019d9e80-d178-7ca4-8d81-2304d379c181" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019d9e80-d178-7327-ac63-65f12d8e6e06" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_019d9e80-d178-7ca4-8d81-2304d379c181" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019d9e80-d178-7327-ac63-65f12d8e6e06" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-7327-ac63-65f12d8e6e06_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9e80-d178-7327-ac63-65f12d8e6e06" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-7327-ac63-65f12d8e6e06_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-79ad-b0d3-d264933e7eb0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019d9e80-d178-7327-ac63-65f12d8e6e06" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-79ad-b0d3-d264933e7eb0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ConsolidatedObligationBondsFairValueOptionMember_019d9e80-d178-77bb-8fea-2da4bb4f4618" xlink:href="fhlbny-20260630.xsd#fhlbny_ConsolidatedObligationBondsFairValueOptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-79ad-b0d3-d264933e7eb0" xlink:to="loc_fhlbny_ConsolidatedObligationBondsFairValueOptionMember_019d9e80-d178-77bb-8fea-2da4bb4f4618" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ConsolidatedObligationDiscountNotesFairValueOptionMember_019d9e80-d178-7e13-ba4c-648e07b650bf" xlink:href="fhlbny-20260630.xsd#fhlbny_ConsolidatedObligationDiscountNotesFairValueOptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-79ad-b0d3-d264933e7eb0" xlink:to="loc_fhlbny_ConsolidatedObligationDiscountNotesFairValueOptionMember_019d9e80-d178-7e13-ba4c-648e07b650bf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_AdvancesFairValueOptionMember_019db070-3f17-7641-858c-c2a484137fe8" xlink:href="fhlbny-20260630.xsd#fhlbny_AdvancesFairValueOptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019d9e80-d178-79ad-b0d3-d264933e7eb0" xlink:to="loc_fhlbny_AdvancesFairValueOptionMember_019db070-3f17-7641-858c-c2a484137fe8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FairValueOptionActivityRollForward_019d9e80-d178-70bc-92ca-0b2528f28ce9" xlink:href="fhlbny-20260630.xsd#fhlbny_FairValueOptionActivityRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_019d9e80-d178-71d9-bd03-b58bc8452f29" xlink:to="loc_fhlbny_FairValueOptionActivityRollForward_019d9e80-d178-70bc-92ca-0b2528f28ce9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FairValueOptionFairValueCarryingAmountLiabilities_019d9e80-d178-76f7-9475-ff9aff1e4530" xlink:href="fhlbny-20260630.xsd#fhlbny_FairValueOptionFairValueCarryingAmountLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_FairValueOptionActivityRollForward_019d9e80-d178-70bc-92ca-0b2528f28ce9" xlink:to="loc_fhlbny_FairValueOptionFairValueCarryingAmountLiabilities_019d9e80-d178-76f7-9475-ff9aff1e4530" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FairValueOptionNewTransactionsElected_019d9e80-d178-7275-9af9-0c3dfd3f3e75" xlink:href="fhlbny-20260630.xsd#fhlbny_FairValueOptionNewTransactionsElected"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_FairValueOptionActivityRollForward_019d9e80-d178-70bc-92ca-0b2528f28ce9" xlink:to="loc_fhlbny_FairValueOptionNewTransactionsElected_019d9e80-d178-7275-9af9-0c3dfd3f3e75" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FairValueOptionMaturitiesAndTerminations_019d9e80-d178-7f50-a558-9d6fcd187521" xlink:href="fhlbny-20260630.xsd#fhlbny_FairValueOptionMaturitiesAndTerminations"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_FairValueOptionActivityRollForward_019d9e80-d178-70bc-92ca-0b2528f28ce9" xlink:to="loc_fhlbny_FairValueOptionMaturitiesAndTerminations_019d9e80-d178-7f50-a558-9d6fcd187521" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionChangesInFairValueGainLoss1_019d9e80-d178-710c-8e6b-f392f1d105b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOptionChangesInFairValueGainLoss1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_FairValueOptionActivityRollForward_019d9e80-d178-70bc-92ca-0b2528f28ce9" xlink:to="loc_us-gaap_FairValueOptionChangesInFairValueGainLoss1_019d9e80-d178-710c-8e6b-f392f1d105b9" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FairValueOptionChangeInAccruedInterestAndUnaccretedBalance_019d9e80-d178-7b30-b81e-44b9addbdfa3" xlink:href="fhlbny-20260630.xsd#fhlbny_FairValueOptionChangeInAccruedInterestAndUnaccretedBalance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_FairValueOptionActivityRollForward_019d9e80-d178-70bc-92ca-0b2528f28ce9" xlink:to="loc_fhlbny_FairValueOptionChangeInAccruedInterestAndUnaccretedBalance_019d9e80-d178-7b30-b81e-44b9addbdfa3" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FairValueOptionFairValueCarryingAmountLiabilities_019d9e80-d178-7d79-8838-8e6c95d22093" xlink:href="fhlbny-20260630.xsd#fhlbny_FairValueOptionFairValueCarryingAmountLiabilities"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/CommitmentsandContingenciesScheduleofContractualObligationsandContingenciesDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#CommitmentsandContingenciesScheduleofContractualObligationsandContingenciesDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/CommitmentsandContingenciesScheduleofContractualObligationsandContingenciesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsLineItems_019d9e9c-5e49-7e1b-aade-23b943b6f382" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTable_019d9e9c-5e49-7566-9641-321178956bff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019d9e9c-5e49-7e1b-aade-23b943b6f382" xlink:to="loc_us-gaap_OtherCommitmentsTable_019d9e9c-5e49-7566-9641-321178956bff" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsAxis_019d9e9c-5e49-7705-b0a4-dc1e9e2f48ae" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_OtherCommitmentsTable_019d9e9c-5e49-7566-9641-321178956bff" xlink:to="loc_us-gaap_OtherCommitmentsAxis_019d9e9c-5e49-7705-b0a4-dc1e9e2f48ae" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsDomain_019d9e9c-5e49-7705-b0a4-dc1e9e2f48ae_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_OtherCommitmentsAxis_019d9e9c-5e49-7705-b0a4-dc1e9e2f48ae" xlink:to="loc_us-gaap_OtherCommitmentsDomain_019d9e9c-5e49-7705-b0a4-dc1e9e2f48ae_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsDomain_019d9e9c-5e49-7b2d-ae13-147175e7d64e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_OtherCommitmentsAxis_019d9e9c-5e49-7705-b0a4-dc1e9e2f48ae" xlink:to="loc_us-gaap_OtherCommitmentsDomain_019d9e9c-5e49-7b2d-ae13-147175e7d64e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StandbyLettersOfCreditMember_019d9e9c-5e49-7e37-8716-a76c49bf1cb0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StandbyLettersOfCreditMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsDomain_019d9e9c-5e49-7b2d-ae13-147175e7d64e" xlink:to="loc_us-gaap_StandbyLettersOfCreditMember_019d9e9c-5e49-7e37-8716-a76c49bf1cb0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ConsolidatedObligationBondsAndDiscountNotesTradedNotSettledMember_019d9e9c-5e49-727e-9cea-148f0f1dcfd0" xlink:href="fhlbny-20260630.xsd#fhlbny_ConsolidatedObligationBondsAndDiscountNotesTradedNotSettledMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsDomain_019d9e9c-5e49-7b2d-ae13-147175e7d64e" xlink:to="loc_fhlbny_ConsolidatedObligationBondsAndDiscountNotesTradedNotSettledMember_019d9e9c-5e49-727e-9cea-148f0f1dcfd0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FundAdditionalAdvancesMember_019d9e9c-5e49-72e7-9cfb-9d67f3ead531" xlink:href="fhlbny-20260630.xsd#fhlbny_FundAdditionalAdvancesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsDomain_019d9e9c-5e49-7b2d-ae13-147175e7d64e" xlink:to="loc_fhlbny_FundAdditionalAdvancesMember_019d9e9c-5e49-72e7-9cfb-9d67f3ead531" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FundPensionMember_019d9e9c-5e49-78b8-a205-c299a0fbbc76" xlink:href="fhlbny-20260630.xsd#fhlbny_FundPensionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsDomain_019d9e9c-5e49-7b2d-ae13-147175e7d64e" xlink:to="loc_fhlbny_FundPensionMember_019d9e9c-5e49-78b8-a205-c299a0fbbc76" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_OpenDeliveryCommitmentsMember_019d9e9c-5e49-7d0a-9ec2-53bba0bc9e58" xlink:href="fhlbny-20260630.xsd#fhlbny_OpenDeliveryCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsDomain_019d9e9c-5e49-7b2d-ae13-147175e7d64e" xlink:to="loc_fhlbny_OpenDeliveryCommitmentsMember_019d9e9c-5e49-7d0a-9ec2-53bba0bc9e58" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitment_019d9e9c-5e49-7e25-8eb8-64bdd1da9549" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019d9e9c-5e49-7e1b-aade-23b943b6f382" xlink:to="loc_us-gaap_OtherCommitment_019d9e9c-5e49-7e25-8eb8-64bdd1da9549" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/CommitmentsandContingenciesNarrativeDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#CommitmentsandContingenciesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/CommitmentsandContingenciesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsLineItems_019d9e9c-5e49-7d2e-90b2-83911d7408ae" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTable_019d9e9c-5e49-7dc4-8cee-d95f7abb4a11" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019d9e9c-5e49-7d2e-90b2-83911d7408ae" xlink:to="loc_us-gaap_OtherCommitmentsTable_019d9e9c-5e49-7dc4-8cee-d95f7abb4a11" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_019d9e9c-5e49-7511-b9e6-f1f9aea84b4c" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_OtherCommitmentsTable_019d9e9c-5e49-7dc4-8cee-d95f7abb4a11" xlink:to="loc_srt_RangeAxis_019d9e9c-5e49-7511-b9e6-f1f9aea84b4c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019d9e9c-5e49-7511-b9e6-f1f9aea84b4c_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_019d9e9c-5e49-7511-b9e6-f1f9aea84b4c" xlink:to="loc_srt_RangeMember_019d9e9c-5e49-7511-b9e6-f1f9aea84b4c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019d9e9c-5e49-7b59-b9b8-34088f0cffca" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_019d9e9c-5e49-7511-b9e6-f1f9aea84b4c" xlink:to="loc_srt_RangeMember_019d9e9c-5e49-7b59-b9b8-34088f0cffca" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_019d9e9c-5e49-7013-9cc0-5c83990b00bf" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_019d9e9c-5e49-7b59-b9b8-34088f0cffca" xlink:to="loc_srt_MaximumMember_019d9e9c-5e49-7013-9cc0-5c83990b00bf" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_019d9e9c-5e49-74e6-931b-f420fca393a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_OtherCommitmentsTable_019d9e9c-5e49-7dc4-8cee-d95f7abb4a11" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_019d9e9c-5e49-74e6-931b-f420fca393a8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019d9e9c-5e49-74e6-931b-f420fca393a8_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_019d9e9c-5e49-74e6-931b-f420fca393a8" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019d9e9c-5e49-74e6-931b-f420fca393a8_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019d9e9c-5e49-769c-b842-210f23100994" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_019d9e9c-5e49-74e6-931b-f420fca393a8" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019d9e9c-5e49-769c-b842-210f23100994" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComputerEquipmentMember_019d9e9c-5e49-7222-943d-b8236bbf4424" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComputerEquipmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_019d9e9c-5e49-769c-b842-210f23100994" xlink:to="loc_us-gaap_ComputerEquipmentMember_019d9e9c-5e49-7222-943d-b8236bbf4424" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseTermOfContract_019d9e9c-5e49-70d8-813c-5e843bc5e24d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseTermOfContract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019d9e9c-5e49-7d2e-90b2-83911d7408ae" xlink:to="loc_us-gaap_LesseeOperatingLeaseTermOfContract_019d9e9c-5e49-70d8-813c-5e843bc5e24d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeFinanceLeaseTermOfContract1_019d9e9c-5e49-7284-9944-934590758e1e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeFinanceLeaseTermOfContract1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019d9e9c-5e49-7d2e-90b2-83911d7408ae" xlink:to="loc_us-gaap_LesseeFinanceLeaseTermOfContract1_019d9e9c-5e49-7284-9944-934590758e1e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLeaseLiability_019d9e9c-5e49-7c9c-9f64-a8ff12f623c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019d9e9c-5e49-7d2e-90b2-83911d7408ae" xlink:to="loc_us-gaap_FinanceLeaseLiability_019d9e9c-5e49-7c9c-9f64-a8ff12f623c1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLeaseRightOfUseAsset_019d9e9c-5e49-7c9f-92d0-82c62861696d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseRightOfUseAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_019d9e9c-5e49-7d2e-90b2-83911d7408ae" xlink:to="loc_us-gaap_FinanceLeaseRightOfUseAsset_019d9e9c-5e49-7c9f-92d0-82c62861696d" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/RelatedPartyTransactionsNarrativeDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#RelatedPartyTransactionsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/RelatedPartyTransactionsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionLineItems_019f88ca-8f36-72ce-829a-3ef953e6c83a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_019d9e9c-827e-7841-b984-f1ead494a725" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019f88ca-8f36-72ce-829a-3ef953e6c83a" xlink:to="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_019d9e9c-827e-7841-b984-f1ead494a725" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionAxis_019f88ca-8f36-7c7c-a2e2-a8287d31ec4d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_019d9e9c-827e-7841-b984-f1ead494a725" xlink:to="loc_us-gaap_RelatedPartyTransactionAxis_019f88ca-8f36-7c7c-a2e2-a8287d31ec4d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionDomain_019f88ca-8f36-7c7c-a2e2-a8287d31ec4d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RelatedPartyTransactionAxis_019f88ca-8f36-7c7c-a2e2-a8287d31ec4d" xlink:to="loc_us-gaap_RelatedPartyTransactionDomain_019f88ca-8f36-7c7c-a2e2-a8287d31ec4d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionDomain_019f88ca-8f36-7896-bd36-ccf359bdf770" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RelatedPartyTransactionAxis_019f88ca-8f36-7c7c-a2e2-a8287d31ec4d" xlink:to="loc_us-gaap_RelatedPartyTransactionDomain_019f88ca-8f36-7896-bd36-ccf359bdf770" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DebtAssumptionsMember_019f88ca-8f36-75d4-b49a-3307a181f9c4" xlink:href="fhlbny-20260630.xsd#fhlbny_DebtAssumptionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionDomain_019f88ca-8f36-7896-bd36-ccf359bdf770" xlink:to="loc_fhlbny_DebtAssumptionsMember_019f88ca-8f36-75d4-b49a-3307a181f9c4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_DebtTransfersMember_019f88ca-8f36-7a42-ae93-40e7157423ac" xlink:href="fhlbny-20260630.xsd#fhlbny_DebtTransfersMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionDomain_019f88ca-8f36-7896-bd36-ccf359bdf770" xlink:to="loc_fhlbny_DebtTransfersMember_019f88ca-8f36-7a42-ae93-40e7157423ac" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_AdvancesSoldOrTransferredMember_019f88ca-8f36-711e-917a-c22106d9c119" xlink:href="fhlbny-20260630.xsd#fhlbny_AdvancesSoldOrTransferredMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionDomain_019f88ca-8f36-7896-bd36-ccf359bdf770" xlink:to="loc_fhlbny_AdvancesSoldOrTransferredMember_019f88ca-8f36-711e-917a-c22106d9c119" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_MortgagePartnershipFinanceProgramServicesMember_019f88ca-8f36-7519-9f4c-d4ec11430271" xlink:href="fhlbny-20260630.xsd#fhlbny_MortgagePartnershipFinanceProgramServicesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionDomain_019f88ca-8f36-7896-bd36-ccf359bdf770" xlink:to="loc_fhlbny_MortgagePartnershipFinanceProgramServicesMember_019f88ca-8f36-7519-9f4c-d4ec11430271" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_019f88ca-8f36-767c-871f-dda030a62a0a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_019d9e9c-827e-7841-b984-f1ead494a725" xlink:to="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_019f88ca-8f36-767c-871f-dda030a62a0a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_019f88ca-8f36-767c-871f-dda030a62a0a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_019f88ca-8f36-767c-871f-dda030a62a0a" xlink:to="loc_us-gaap_RelatedPartyDomain_019f88ca-8f36-767c-871f-dda030a62a0a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_019f88ca-8f36-7580-9409-c37b81c512fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_019f88ca-8f36-767c-871f-dda030a62a0a" xlink:to="loc_us-gaap_RelatedPartyDomain_019f88ca-8f36-7580-9409-c37b81c512fd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyMember_019f88ca-8f36-70bc-ab48-45d37175c113" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyDomain_019f88ca-8f36-7580-9409-c37b81c512fd" xlink:to="loc_us-gaap_RelatedPartyMember_019f88ca-8f36-70bc-ab48-45d37175c113" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019f88ca-8f36-77d2-b6b4-1319a166494e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_019d9e9c-827e-7841-b984-f1ead494a725" xlink:to="loc_us-gaap_DebtInstrumentAxis_019f88ca-8f36-77d2-b6b4-1319a166494e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019f88ca-8f36-77d2-b6b4-1319a166494e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_019f88ca-8f36-77d2-b6b4-1319a166494e" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019f88ca-8f36-77d2-b6b4-1319a166494e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019f88ca-8f36-7633-b621-39846b4cbf1b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_019f88ca-8f36-77d2-b6b4-1319a166494e" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019f88ca-8f36-7633-b621-39846b4cbf1b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ConsolidatedObligationBondsMember_019f88ca-8f36-74f7-bd0a-ac77c51ede58" xlink:href="fhlbny-20260630.xsd#fhlbny_ConsolidatedObligationBondsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019f88ca-8f36-7633-b621-39846b4cbf1b" xlink:to="loc_fhlbny_ConsolidatedObligationBondsMember_019f88ca-8f36-74f7-bd0a-ac77c51ede58" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ConsolidatedObligationDiscountNotesMember_019f9579-13cd-721f-8543-5015ee219402" xlink:href="fhlbny-20260630.xsd#fhlbny_ConsolidatedObligationDiscountNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019f88ca-8f36-7633-b621-39846b4cbf1b" xlink:to="loc_fhlbny_ConsolidatedObligationDiscountNotesMember_019f9579-13cd-721f-8543-5015ee219402" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_019f88ca-8f36-75f2-86f3-dab5a5c6d3a4" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_019d9e9c-827e-7841-b984-f1ead494a725" xlink:to="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_019f88ca-8f36-75f2-86f3-dab5a5c6d3a4" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_019f88ca-8f36-75f2-86f3-dab5a5c6d3a4_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_019f88ca-8f36-75f2-86f3-dab5a5c6d3a4" xlink:to="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_019f88ca-8f36-75f2-86f3-dab5a5c6d3a4_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_019f88ca-8f36-7bd3-a375-91a907c3fe5d" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_019f88ca-8f36-75f2-86f3-dab5a5c6d3a4" xlink:to="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_019f88ca-8f36-7bd3-a375-91a907c3fe5d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankOfChicagoMember_019f88ca-8f36-7d6e-ac03-078049d9f55e" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_FederalHomeLoanBankOfChicagoMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_019f88ca-8f36-7bd3-a375-91a907c3fe5d" xlink:to="loc_srt_FederalHomeLoanBankOfChicagoMember_019f88ca-8f36-7d6e-ac03-078049d9f55e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis_019f88ca-a629-7227-9f9e-0c89a5f93dc4" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CounterpartyNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_019d9e9c-827e-7841-b984-f1ead494a725" xlink:to="loc_srt_CounterpartyNameAxis_019f88ca-a629-7227-9f9e-0c89a5f93dc4" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019f88ca-a629-7227-9f9e-0c89a5f93dc4_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_CounterpartyNameAxis_019f88ca-a629-7227-9f9e-0c89a5f93dc4" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019f88ca-a629-7227-9f9e-0c89a5f93dc4_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019f88ca-a629-74f4-8010-5a477665596d" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_CounterpartyNameAxis_019f88ca-a629-7227-9f9e-0c89a5f93dc4" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019f88ca-a629-74f4-8010-5a477665596d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_CitibankNationalAssociationMember_019f88ca-a629-729e-a637-e33e2bea1356" xlink:href="fhlbny-20260630.xsd#fhlbny_CitibankNationalAssociationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019f88ca-a629-74f4-8010-5a477665596d" xlink:to="loc_fhlbny_CitibankNationalAssociationMember_019f88ca-a629-729e-a637-e33e2bea1356" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionAmountsOfTransaction_019f88ca-8f36-7520-8cb8-e8faa0c9748e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionAmountsOfTransaction"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019f88ca-8f36-72ce-829a-3ef953e6c83a" xlink:to="loc_us-gaap_RelatedPartyTransactionAmountsOfTransaction_019f88ca-8f36-7520-8cb8-e8faa0c9748e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ParticipatingMortgageLoansMortgageObligationsAmount_019f88ca-8f36-7e25-a806-ae6cc2323d00" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ParticipatingMortgageLoansMortgageObligationsAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019f88ca-8f36-72ce-829a-3ef953e6c83a" xlink:to="loc_us-gaap_ParticipatingMortgageLoansMortgageObligationsAmount_019f88ca-8f36-7e25-a806-ae6cc2323d00" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale_019f88ca-8f36-761e-ac77-a2a13be816ad" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019f88ca-8f36-72ce-829a-3ef953e6c83a" xlink:to="loc_us-gaap_PaymentsToAcquireMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale_019f88ca-8f36-761e-ac77-a2a13be816ad" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_019f88ca-8f36-7c05-8337-4d5e4b3404dc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019f88ca-8f36-72ce-829a-3ef953e6c83a" xlink:to="loc_us-gaap_DerivativeNotionalAmount_019f88ca-8f36-7c05-8337-4d5e4b3404dc" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansToOtherFederalHomeLoanBanks_019f88ca-8f36-73a2-a0aa-470f75939109" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansToOtherFederalHomeLoanBanks"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019f88ca-8f36-72ce-829a-3ef953e6c83a" xlink:to="loc_us-gaap_LoansToOtherFederalHomeLoanBanks_019f88ca-8f36-73a2-a0aa-470f75939109" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LoansFromOtherFederalHomeLoanBanksTerm_019f88ca-8f36-77a2-89e8-2e2361977533" xlink:href="fhlbny-20260630.xsd#fhlbny_LoansFromOtherFederalHomeLoanBanksTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019f88ca-8f36-72ce-829a-3ef953e6c83a" xlink:to="loc_fhlbny_LoansFromOtherFederalHomeLoanBanksTerm_019f88ca-8f36-77a2-89e8-2e2361977533" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansFromOtherFederalHomeLoanBanks_019f88ca-8f36-7a9f-b1b8-3c1ead26423c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansFromOtherFederalHomeLoanBanks"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019f88ca-8f36-72ce-829a-3ef953e6c83a" xlink:to="loc_us-gaap_LoansFromOtherFederalHomeLoanBanks_019f88ca-8f36-7a9f-b1b8-3c1ead26423c" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_LessorOperatingLeaseAnnualLeaseReceipt_019f88ca-8f36-77ad-b3b2-662bf9e1b25e" xlink:href="fhlbny-20260630.xsd#fhlbny_LessorOperatingLeaseAnnualLeaseReceipt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019f88ca-8f36-72ce-829a-3ef953e6c83a" xlink:to="loc_fhlbny_LessorOperatingLeaseAnnualLeaseReceipt_019f88ca-8f36-77ad-b3b2-662bf9e1b25e" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensatingBalanceAmount_019f88ca-a629-71f2-ab42-eb5989e76533" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CompensatingBalanceAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019f88ca-8f36-72ce-829a-3ef953e6c83a" xlink:to="loc_us-gaap_CompensatingBalanceAmount_019f88ca-a629-71f2-ab42-eb5989e76533" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/RelatedPartyTransactionsOutstandingAssetsLiabilitiesandCapitalDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#RelatedPartyTransactionsOutstandingAssetsLiabilitiesandCapitalDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/RelatedPartyTransactionsOutstandingAssetsLiabilitiesandCapitalDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionLineItems_019d9e9c-827e-7af5-8232-de9e6d0d8a1f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_019d9e9c-827e-7b91-b9ec-8ee669b88bad" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019d9e9c-827e-7af5-8232-de9e6d0d8a1f" xlink:to="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_019d9e9c-827e-7b91-b9ec-8ee669b88bad" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_019d9e9c-827e-768b-9358-7242aca9fd10" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_019d9e9c-827e-7b91-b9ec-8ee669b88bad" xlink:to="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_019d9e9c-827e-768b-9358-7242aca9fd10" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_019d9e9c-827e-768b-9358-7242aca9fd10_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_019d9e9c-827e-768b-9358-7242aca9fd10" xlink:to="loc_us-gaap_RelatedPartyDomain_019d9e9c-827e-768b-9358-7242aca9fd10_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_019d9e9c-827e-71ec-aa51-3a82e0c920c9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_019d9e9c-827e-768b-9358-7242aca9fd10" xlink:to="loc_us-gaap_RelatedPartyDomain_019d9e9c-827e-71ec-aa51-3a82e0c920c9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyMember_019d9e9c-827e-7921-8da8-a8211ae09417" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyDomain_019d9e9c-827e-71ec-aa51-3a82e0c920c9" xlink:to="loc_us-gaap_RelatedPartyMember_019d9e9c-827e-7921-8da8-a8211ae09417" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_019d9e9c-827e-77e7-ad85-87dd28ebf9e7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019d9e9c-827e-7af5-8232-de9e6d0d8a1f" xlink:to="loc_us-gaap_AssetsAbstract_019d9e9c-827e-77e7-ad85-87dd28ebf9e7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvances_019d9e9c-827e-7cfc-ad50-eef33d5e83e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvances"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019d9e9c-827e-77e7-ad85-87dd28ebf9e7" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvances_019d9e9c-827e-7cfc-ad50-eef33d5e83e2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_019d9e9c-827e-7afd-8fb3-3dbab288ab70" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestReceivable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019d9e9c-827e-77e7-ad85-87dd28ebf9e7" xlink:to="loc_us-gaap_InterestReceivable_019d9e9c-827e-7afd-8fb3-3dbab288ab70" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019d9e9c-827e-7ec1-bf94-b507702479da" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019d9e9c-827e-7af5-8232-de9e6d0d8a1f" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019d9e9c-827e-7ec1-bf94-b507702479da" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsDomestic_019d9e9c-827e-7462-b8de-01c2e7606f08" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsDomestic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019d9e9c-827e-7ec1-bf94-b507702479da" xlink:to="loc_us-gaap_DepositsDomestic_019d9e9c-827e-7462-b8de-01c2e7606f08" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount_019d9e9c-827e-7f8c-9bd5-6cac22a14f9e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019d9e9c-827e-7ec1-bf94-b507702479da" xlink:to="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount_019d9e9c-827e-7f8c-9bd5-6cac22a14f9e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent_019d9e9c-827e-7cad-a793-cec7e2a030c2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019d9e9c-827e-7ec1-bf94-b507702479da" xlink:to="loc_us-gaap_InterestPayableCurrentAndNoncurrent_019d9e9c-827e-7cad-a793-cec7e2a030c2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AffordableHousingProgramObligation_019d9e9c-827e-7fd6-828f-fc2042978d48" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AffordableHousingProgramObligation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019d9e9c-827e-7ec1-bf94-b507702479da" xlink:to="loc_us-gaap_AffordableHousingProgramObligation_019d9e9c-827e-7fd6-828f-fc2042978d48" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019d9e9c-827e-72d6-a495-776c700f9475" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019d9e9c-827e-7ec1-bf94-b507702479da" xlink:to="loc_us-gaap_StockholdersEquity_019d9e9c-827e-72d6-a495-776c700f9475" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/RelatedPartyTransactionsIncomeandExpensesTransactionsDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#RelatedPartyTransactionsIncomeandExpensesTransactionsDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/RelatedPartyTransactionsIncomeandExpensesTransactionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionLineItems_019d9e9c-827e-7444-b067-2fbfeafc20e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_019d9e9c-827e-72cb-b043-45c6f6c5576f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019d9e9c-827e-7444-b067-2fbfeafc20e2" xlink:to="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_019d9e9c-827e-72cb-b043-45c6f6c5576f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_019d9e9c-827e-70fc-9e24-f49fba5658d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_019d9e9c-827e-72cb-b043-45c6f6c5576f" xlink:to="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_019d9e9c-827e-70fc-9e24-f49fba5658d8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_019d9e9c-827e-70fc-9e24-f49fba5658d8_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_019d9e9c-827e-70fc-9e24-f49fba5658d8" xlink:to="loc_us-gaap_RelatedPartyDomain_019d9e9c-827e-70fc-9e24-f49fba5658d8_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_019d9e9c-827e-71b8-8908-8fa4cc46a03b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_019d9e9c-827e-70fc-9e24-f49fba5658d8" xlink:to="loc_us-gaap_RelatedPartyDomain_019d9e9c-827e-71b8-8908-8fa4cc46a03b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyMember_019d9e9c-827e-7afa-b16a-f1d89ea3eb17" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyDomain_019d9e9c-827e-71b8-8908-8fa4cc46a03b" xlink:to="loc_us-gaap_RelatedPartyMember_019d9e9c-827e-7afa-b16a-f1d89ea3eb17" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeOperatingAbstract_019d9e9c-827e-7367-baf3-43ddb67e171b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeOperatingAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019d9e9c-827e-7444-b067-2fbfeafc20e2" xlink:to="loc_us-gaap_InterestIncomeOperatingAbstract_019d9e9c-827e-7367-baf3-43ddb67e171b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeFederalHomeLoanBankAdvances_019d9e9c-827e-79a9-90c4-8e4bcaae266b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeFederalHomeLoanBankAdvances"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestIncomeOperatingAbstract_019d9e9c-827e-7367-baf3-43ddb67e171b" xlink:to="loc_us-gaap_InterestIncomeFederalHomeLoanBankAdvances_019d9e9c-827e-79a9-90c4-8e4bcaae266b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeDomesticDeposits_019f043f-2aef-7d56-ac0e-572488dc2cbb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeDomesticDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestIncomeOperatingAbstract_019d9e9c-827e-7367-baf3-43ddb67e171b" xlink:to="loc_us-gaap_InterestIncomeDomesticDeposits_019f043f-2aef-7d56-ac0e-572488dc2cbb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeLoansToOtherFederalHomeLoanBanks_019d9e9c-827e-7e90-aec1-e3805c9cacb9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeLoansToOtherFederalHomeLoanBanks"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestIncomeOperatingAbstract_019d9e9c-827e-7367-baf3-43ddb67e171b" xlink:to="loc_us-gaap_InterestIncomeLoansToOtherFederalHomeLoanBanks_019d9e9c-827e-7e90-aec1-e3805c9cacb9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperatingAbstract_019d9e9c-827e-73fc-ad05-9b33480c34e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperatingAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019d9e9c-827e-7444-b067-2fbfeafc20e2" xlink:to="loc_us-gaap_InterestExpenseOperatingAbstract_019d9e9c-827e-73fc-ad05-9b33480c34e5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDomesticDeposits_019d9e9c-827e-7817-8b2b-90f17727eef1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseDomesticDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestExpenseOperatingAbstract_019d9e9c-827e-73fc-ad05-9b33480c34e5" xlink:to="loc_us-gaap_InterestExpenseDomesticDeposits_019d9e9c-827e-7817-8b2b-90f17727eef1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseCapitalSecurities_019d9e9c-827e-7999-b95e-ecb2fbd3a6cf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseCapitalSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestExpenseOperatingAbstract_019d9e9c-827e-73fc-ad05-9b33480c34e5" xlink:to="loc_us-gaap_InterestExpenseCapitalSecurities_019d9e9c-827e-7999-b95e-ecb2fbd3a6cf" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ServiceFeesAndOtherIncome_019d9e9c-827e-796c-a553-6d9cdbfcd960" xlink:href="fhlbny-20260630.xsd#fhlbny_ServiceFeesAndOtherIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_019d9e9c-827e-7444-b067-2fbfeafc20e2" xlink:to="loc_fhlbny_ServiceFeesAndOtherIncome_019d9e9c-827e-796c-a553-6d9cdbfcd960" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/SegmentInformationandConcentrationNarrativeDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#SegmentInformationandConcentrationNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/SegmentInformationandConcentrationNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskLineItems_019d9ab9-a72a-758f-93c9-492b884eaa5a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTable_019d9ab9-a72a-7d33-970c-e366c615cb39" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ConcentrationRiskLineItems_019d9ab9-a72a-758f-93c9-492b884eaa5a" xlink:to="loc_us-gaap_ConcentrationRiskTable_019d9ab9-a72a-7d33-970c-e366c615cb39" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis_019d9ab9-a72a-757b-95b3-aa73b29e39a0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ConcentrationRiskTable_019d9ab9-a72a-7d33-970c-e366c615cb39" xlink:to="loc_us-gaap_ConcentrationRiskByTypeAxis_019d9ab9-a72a-757b-95b3-aa73b29e39a0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_019d9ab9-a72a-757b-95b3-aa73b29e39a0_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_019d9ab9-a72a-757b-95b3-aa73b29e39a0" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_019d9ab9-a72a-757b-95b3-aa73b29e39a0_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_019d9ab9-a72a-7051-891d-f767e4a77924" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_019d9ab9-a72a-757b-95b3-aa73b29e39a0" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_019d9ab9-a72a-7051-891d-f767e4a77924" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomerConcentrationRiskMember_019d9ab9-a72a-7368-a8a3-bbe91324a8a4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CustomerConcentrationRiskMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_019d9ab9-a72a-7051-891d-f767e4a77924" xlink:to="loc_us-gaap_CustomerConcentrationRiskMember_019d9ab9-a72a-7368-a8a3-bbe91324a8a4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019d9ab9-a72a-7ff5-9db4-584422074e2f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ConcentrationRiskTable_019d9ab9-a72a-7d33-970c-e366c615cb39" xlink:to="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019d9ab9-a72a-7ff5-9db4-584422074e2f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019d9ab9-a72a-7ff5-9db4-584422074e2f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019d9ab9-a72a-7ff5-9db4-584422074e2f" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019d9ab9-a72a-7ff5-9db4-584422074e2f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019d9ab9-a72a-7d89-8ea3-ac2fa63a9922" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019d9ab9-a72a-7ff5-9db4-584422074e2f" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019d9ab9-a72a-7d89-8ea3-ac2fa63a9922" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesRevenueNetMember_019d9ab9-a72a-7d31-af01-d807df56bd22" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SalesRevenueNetMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019d9ab9-a72a-7d89-8ea3-ac2fa63a9922" xlink:to="loc_us-gaap_SalesRevenueNetMember_019d9ab9-a72a-7d31-af01-d807df56bd22" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MajorCustomersAxis_019d9ab9-a72a-76bc-b61e-992203e6e598" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MajorCustomersAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ConcentrationRiskTable_019d9ab9-a72a-7d33-970c-e366c615cb39" xlink:to="loc_srt_MajorCustomersAxis_019d9ab9-a72a-76bc-b61e-992203e6e598" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_NameOfMajorCustomerDomain_019d9ab9-a72a-76bc-b61e-992203e6e598_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_NameOfMajorCustomerDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_MajorCustomersAxis_019d9ab9-a72a-76bc-b61e-992203e6e598" xlink:to="loc_srt_NameOfMajorCustomerDomain_019d9ab9-a72a-76bc-b61e-992203e6e598_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_NameOfMajorCustomerDomain_019d9ab9-a72a-7b91-ae12-4127755d5772" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_NameOfMajorCustomerDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_MajorCustomersAxis_019d9ab9-a72a-76bc-b61e-992203e6e598" xlink:to="loc_srt_NameOfMajorCustomerDomain_019d9ab9-a72a-7b91-ae12-4127755d5772" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_TwoAdvanceHoldersMember_019d9ab9-a72a-73a5-adeb-be6d87d175d1" xlink:href="fhlbny-20260630.xsd#fhlbny_TwoAdvanceHoldersMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_NameOfMajorCustomerDomain_019d9ab9-a72a-7b91-ae12-4127755d5772" xlink:to="loc_fhlbny_TwoAdvanceHoldersMember_019d9ab9-a72a-73a5-adeb-be6d87d175d1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NumberOfOperatingSegments_019d9ab9-a72a-75b0-9a88-ed3ae7eb5a8e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NumberOfOperatingSegments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskLineItems_019d9ab9-a72a-758f-93c9-492b884eaa5a" xlink:to="loc_us-gaap_NumberOfOperatingSegments_019d9ab9-a72a-75b0-9a88-ed3ae7eb5a8e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskPercentage1_019d9ab9-a72a-75c6-a341-af1a7ea0e080" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskPercentage1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskLineItems_019d9ab9-a72a-758f-93c9-492b884eaa5a" xlink:to="loc_us-gaap_ConcentrationRiskPercentage1_019d9ab9-a72a-75c6-a341-af1a7ea0e080" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.fhlbny.com/role/SegmentInformationandConcentrationSegmentInformationandConcentrationTopTenAdvanceHoldersandAssociatedInterestIncomeDetails" xlink:type="simple" xlink:href="fhlbny-20260630.xsd#SegmentInformationandConcentrationSegmentInformationandConcentrationTopTenAdvanceHoldersandAssociatedInterestIncomeDetails"/>
  <link:definitionLink xlink:role="http://www.fhlbny.com/role/SegmentInformationandConcentrationSegmentInformationandConcentrationTopTenAdvanceHoldersandAssociatedInterestIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskLineItems_019d9ab9-a72b-7df1-91b0-ac357bcdd389" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTable_019d9ab9-a72a-713d-adf3-1f05bce4e41c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ConcentrationRiskLineItems_019d9ab9-a72b-7df1-91b0-ac357bcdd389" xlink:to="loc_us-gaap_ConcentrationRiskTable_019d9ab9-a72a-713d-adf3-1f05bce4e41c" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019d9ab9-a72a-7b62-8d9d-b5b4c43616b2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ConcentrationRiskTable_019d9ab9-a72a-713d-adf3-1f05bce4e41c" xlink:to="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019d9ab9-a72a-7b62-8d9d-b5b4c43616b2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019d9ab9-a72a-7b62-8d9d-b5b4c43616b2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019d9ab9-a72a-7b62-8d9d-b5b4c43616b2" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019d9ab9-a72a-7b62-8d9d-b5b4c43616b2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019d9ab9-a72a-788a-a5fc-912b9e22253f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019d9ab9-a72a-7b62-8d9d-b5b4c43616b2" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019d9ab9-a72a-788a-a5fc-912b9e22253f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankAdvancesConcentrationRiskMember_019d9ab9-a72a-7946-bc12-4134416deead" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankAdvancesConcentrationRiskMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019d9ab9-a72a-788a-a5fc-912b9e22253f" xlink:to="loc_fhlbny_FederalHomeLoanBankAdvancesConcentrationRiskMember_019d9ab9-a72a-7946-bc12-4134416deead" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FederalHomeLoanBankAdvancesInterestIncomeConcentrationRiskMember_019d9ab9-a72a-799b-87cd-5d49016f269d" xlink:href="fhlbny-20260630.xsd#fhlbny_FederalHomeLoanBankAdvancesInterestIncomeConcentrationRiskMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019d9ab9-a72a-788a-a5fc-912b9e22253f" xlink:to="loc_fhlbny_FederalHomeLoanBankAdvancesInterestIncomeConcentrationRiskMember_019d9ab9-a72a-799b-87cd-5d49016f269d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis_019d9ab9-a72a-7518-a079-81038bb846bc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ConcentrationRiskTable_019d9ab9-a72a-713d-adf3-1f05bce4e41c" xlink:to="loc_us-gaap_ConcentrationRiskByTypeAxis_019d9ab9-a72a-7518-a079-81038bb846bc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_019d9ab9-a72a-7518-a079-81038bb846bc_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_019d9ab9-a72a-7518-a079-81038bb846bc" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_019d9ab9-a72a-7518-a079-81038bb846bc_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_019d9ab9-a72a-735d-9e17-4eb62adf2811" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_019d9ab9-a72a-7518-a079-81038bb846bc" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_019d9ab9-a72a-735d-9e17-4eb62adf2811" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditConcentrationRiskMember_019d9ab9-a72a-7e39-bc31-7851422d179c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditConcentrationRiskMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_019d9ab9-a72a-735d-9e17-4eb62adf2811" xlink:to="loc_us-gaap_CreditConcentrationRiskMember_019d9ab9-a72a-7e39-bc31-7851422d179c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis_019d9ab9-a72a-780f-b0e6-8499002c6569" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_CounterpartyNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ConcentrationRiskTable_019d9ab9-a72a-713d-adf3-1f05bce4e41c" xlink:to="loc_srt_CounterpartyNameAxis_019d9ab9-a72a-780f-b0e6-8499002c6569" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019d9ab9-a72a-780f-b0e6-8499002c6569_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_CounterpartyNameAxis_019d9ab9-a72a-780f-b0e6-8499002c6569" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019d9ab9-a72a-780f-b0e6-8499002c6569_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019d9ab9-a72a-7b6a-99bc-d60ce6854921" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_CounterpartyNameAxis_019d9ab9-a72a-780f-b0e6-8499002c6569" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019d9ab9-a72a-7b6a-99bc-d60ce6854921" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_TopTenAdvanceHoldersMember_019d9ab9-a72a-7ca0-b1e4-b2515f3b2333" xlink:href="fhlbny-20260630.xsd#fhlbny_TopTenAdvanceHoldersMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019d9ab9-a72a-7b6a-99bc-d60ce6854921" xlink:to="loc_fhlbny_TopTenAdvanceHoldersMember_019d9ab9-a72a-7ca0-b1e4-b2515f3b2333" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_CitibankNationalAssociationMember_019d9ab9-a72b-7b31-86e1-d67766950e83" xlink:href="fhlbny-20260630.xsd#fhlbny_CitibankNationalAssociationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_TopTenAdvanceHoldersMember_019d9ab9-a72a-7ca0-b1e4-b2515f3b2333" xlink:to="loc_fhlbny_CitibankNationalAssociationMember_019d9ab9-a72b-7b31-86e1-d67766950e83" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_MetLifeInc.Member_019d9ab9-a72b-783c-9c6b-34776bf7be5b" xlink:href="fhlbny-20260630.xsd#fhlbny_MetLifeInc.Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_TopTenAdvanceHoldersMember_019d9ab9-a72a-7ca0-b1e4-b2515f3b2333" xlink:to="loc_fhlbny_MetLifeInc.Member_019d9ab9-a72b-783c-9c6b-34776bf7be5b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_MetropolitanLifeInsuranceCompanyMember_019d9ab9-a72a-7a06-8f74-eabb965dabf4" xlink:href="fhlbny-20260630.xsd#fhlbny_MetropolitanLifeInsuranceCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_MetLifeInc.Member_019d9ab9-a72b-783c-9c6b-34776bf7be5b" xlink:to="loc_fhlbny_MetropolitanLifeInsuranceCompanyMember_019d9ab9-a72a-7a06-8f74-eabb965dabf4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_MetropolitanTowerLifeInsuranceCompanyMember_019d9ab9-a72b-7439-927d-f495ae5f8d8e" xlink:href="fhlbny-20260630.xsd#fhlbny_MetropolitanTowerLifeInsuranceCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_MetLifeInc.Member_019d9ab9-a72b-783c-9c6b-34776bf7be5b" xlink:to="loc_fhlbny_MetropolitanTowerLifeInsuranceCompanyMember_019d9ab9-a72b-7439-927d-f495ae5f8d8e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_TeachersIns.AndAnnuityAssocOfAmericaMember_019d9ab9-a72b-7951-89bd-2adccbce20bd" xlink:href="fhlbny-20260630.xsd#fhlbny_TeachersIns.AndAnnuityAssocOfAmericaMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_TopTenAdvanceHoldersMember_019d9ab9-a72a-7ca0-b1e4-b2515f3b2333" xlink:to="loc_fhlbny_TeachersIns.AndAnnuityAssocOfAmericaMember_019d9ab9-a72b-7951-89bd-2adccbce20bd" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_FlagstarBankNationalAssociationMember_019d9ab9-a72b-768b-b806-87d2b85bf8cb" xlink:href="fhlbny-20260630.xsd#fhlbny_FlagstarBankNationalAssociationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_TopTenAdvanceHoldersMember_019d9ab9-a72a-7ca0-b1e4-b2515f3b2333" xlink:to="loc_fhlbny_FlagstarBankNationalAssociationMember_019d9ab9-a72b-768b-b806-87d2b85bf8cb" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_EquitableFinancialLifeInsuranceCompanyMember_019d9ab9-a72b-7b88-92e8-14d2e8151e40" xlink:href="fhlbny-20260630.xsd#fhlbny_EquitableFinancialLifeInsuranceCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_TopTenAdvanceHoldersMember_019d9ab9-a72a-7ca0-b1e4-b2515f3b2333" xlink:to="loc_fhlbny_EquitableFinancialLifeInsuranceCompanyMember_019d9ab9-a72b-7b88-92e8-14d2e8151e40" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_GoldmanSachsBankUnitedStatesOfAmericaMember_019d9ab9-a72b-7a07-9521-a33cd5504ecf" xlink:href="fhlbny-20260630.xsd#fhlbny_GoldmanSachsBankUnitedStatesOfAmericaMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_TopTenAdvanceHoldersMember_019d9ab9-a72a-7ca0-b1e4-b2515f3b2333" xlink:to="loc_fhlbny_GoldmanSachsBankUnitedStatesOfAmericaMember_019d9ab9-a72b-7a07-9521-a33cd5504ecf" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_NewYorkLifeInsuranceCompanyMember_019d9ab9-a72b-7b63-b392-0d4285d88f44" xlink:href="fhlbny-20260630.xsd#fhlbny_NewYorkLifeInsuranceCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_TopTenAdvanceHoldersMember_019d9ab9-a72a-7ca0-b1e4-b2515f3b2333" xlink:to="loc_fhlbny_NewYorkLifeInsuranceCompanyMember_019d9ab9-a72b-7b63-b392-0d4285d88f44" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_MorganStanleyPrivateBankNAMember_019f0452-26e5-7dab-bec5-8c77210508f5" xlink:href="fhlbny-20260630.xsd#fhlbny_MorganStanleyPrivateBankNAMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_TopTenAdvanceHoldersMember_019d9ab9-a72a-7ca0-b1e4-b2515f3b2333" xlink:to="loc_fhlbny_MorganStanleyPrivateBankNAMember_019f0452-26e5-7dab-bec5-8c77210508f5" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ManufacturersAndTradersTrustCompanyMember_019d9ab9-a72b-76ca-9568-e6028b97862c" xlink:href="fhlbny-20260630.xsd#fhlbny_ManufacturersAndTradersTrustCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_TopTenAdvanceHoldersMember_019d9ab9-a72a-7ca0-b1e4-b2515f3b2333" xlink:to="loc_fhlbny_ManufacturersAndTradersTrustCompanyMember_019d9ab9-a72b-76ca-9568-e6028b97862c" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_GuardianLifeInsuranceCompanyOfAmericaMember_019d9ab9-a72b-7f46-b140-6f2a522d459e" xlink:href="fhlbny-20260630.xsd#fhlbny_GuardianLifeInsuranceCompanyOfAmericaMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_TopTenAdvanceHoldersMember_019d9ab9-a72a-7ca0-b1e4-b2515f3b2333" xlink:to="loc_fhlbny_GuardianLifeInsuranceCompanyOfAmericaMember_019d9ab9-a72b-7f46-b140-6f2a522d459e" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ThePrudentialInsuranceCompanyOfAmericaMember_019d9ab9-a72b-776f-9533-006433b684f3" xlink:href="fhlbny-20260630.xsd#fhlbny_ThePrudentialInsuranceCompanyOfAmericaMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_TopTenAdvanceHoldersMember_019d9ab9-a72a-7ca0-b1e4-b2515f3b2333" xlink:to="loc_fhlbny_ThePrudentialInsuranceCompanyOfAmericaMember_019d9ab9-a72b-776f-9533-006433b684f3" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_fhlbny_ValleyNationalBankMember_019d9ab9-a72b-7035-8433-cce0daa92fcf" xlink:href="fhlbny-20260630.xsd#fhlbny_ValleyNationalBankMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fhlbny_TopTenAdvanceHoldersMember_019d9ab9-a72a-7ca0-b1e4-b2515f3b2333" xlink:to="loc_fhlbny_ValleyNationalBankMember_019d9ab9-a72b-7035-8433-cce0daa92fcf" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesParValue_019d9ab9-a72b-7397-a3b3-24ee364601d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesParValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskLineItems_019d9ab9-a72b-7df1-91b0-ac357bcdd389" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesParValue_019d9ab9-a72b-7397-a3b3-24ee364601d6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskPercentage1_019d9ab9-a72b-730e-a6a5-cb8707dab0f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskPercentage1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskLineItems_019d9ab9-a72b-7df1-91b0-ac357bcdd389" xlink:to="loc_us-gaap_ConcentrationRiskPercentage1_019d9ab9-a72b-730e-a6a5-cb8707dab0f3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeFederalHomeLoanBankAdvances_019d9ab9-a72b-7170-9abf-5a1cb1c4eca1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeFederalHomeLoanBankAdvances"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskLineItems_019d9ab9-a72b-7df1-91b0-ac357bcdd389" xlink:to="loc_us-gaap_InterestIncomeFederalHomeLoanBankAdvances_019d9ab9-a72b-7170-9abf-5a1cb1c4eca1" xlink:type="arc" order="2"/>
  </link:definitionLink>
</link:linkbase>
