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  <xs:element id="fhlbdm_AdjustableInterestRateMember" abstract="true" name="AdjustableInterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbdm_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonthsWeightedAverageInterestRate" abstract="false" name="LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonthsWeightedAverageInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwoWeightedAverageInterestRate" abstract="false" name="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwoWeightedAverageInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThreeWeightedAverageInterestRate" abstract="false" name="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThreeWeightedAverageInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFourWeightedAverageInterestRate" abstract="false" name="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFourWeightedAverageInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFiveWeightedAverageInterestRate" abstract="false" name="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFiveWeightedAverageInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFiveWeightedAverageInterestRate" abstract="false" name="LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFiveWeightedAverageInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_NoncallableOrNonputableMember" abstract="true" name="NoncallableOrNonputableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbdm_CallableMember" abstract="true" name="CallableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbdm_WrittenNoticePeriodRequiredtoRepurchaseExcessMembershipCapitalStock" abstract="false" name="WrittenNoticePeriodRequiredtoRepurchaseExcessMembershipCapitalStock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="fhlbdm_MRCSAbstract" abstract="true" name="MRCSAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fhlbdm_NumberOfFinanceAgencyRegulatoryCapitalRequirements" abstract="false" name="NumberOfFinanceAgencyRegulatoryCapitalRequirements" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fhlbdm_RegulatoryCapitalRatioRequired" abstract="false" name="RegulatoryCapitalRatioRequired" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_FederalHomeLoanBankCapitalStocktoAssetsRequired" abstract="false" name="FederalHomeLoanBankCapitalStocktoAssetsRequired" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_FederalHomeLoanBankCapitalStocktoAssetsActual" abstract="false" name="FederalHomeLoanBankCapitalStocktoAssetsActual" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_LeverageRatioRequired" abstract="false" name="LeverageRatioRequired" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_PercentOfAverageBalanceOfOutstandingConsolidatedObligationsPrescribedPerTheJointCapitalEnhancementAgreement" abstract="false" name="PercentOfAverageBalanceOfOutstandingConsolidatedObligationsPrescribedPerTheJointCapitalEnhancementAgreement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_InterestBearingDepositsFairValueDisclosure" abstract="false" name="InterestBearingDepositsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbdm_SecuritiesPurchasedUnderAgreementsToResellFairValueDisclosure" abstract="false" name="SecuritiesPurchasedUnderAgreementsToResellFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbdm_FederalFundsSoldFairValueDisclosure" abstract="false" name="FederalFundsSoldFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbdm_FederalHomeLoanBankAdvancesFairValueDisclosure" abstract="false" name="FederalHomeLoanBankAdvancesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbdm_FederalHomeLoanBankConsolidatedObligationsFairValueDisclosure" abstract="false" name="FederalHomeLoanBankConsolidatedObligationsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbdm_FairValueOptionPrincipalBalanceConsolidatedObligationDiscountNotes" abstract="false" name="FairValueOptionPrincipalBalanceConsolidatedObligationDiscountNotes" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbdm_StandbylettersofcreditissuancecommitmentsDomain" abstract="true" name="StandbylettersofcreditissuancecommitmentsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbdm_CommitmentstoIssueDiscountNotesMember" abstract="true" name="CommitmentstoIssueDiscountNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbdm_CommitmentsToIssueBondsMember" abstract="true" name="CommitmentsToIssueBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbdm_FairValueDisclosureOffBalanceSheetRisksFaceAmountExpiringWithinOneYear" abstract="false" name="FairValueDisclosureOffBalanceSheetRisksFaceAmountExpiringWithinOneYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbdm_FairValueDisclosureOffBalanceSheetRisksFaceAmountExpiringAfterOneYear" abstract="false" name="FairValueDisclosureOffBalanceSheetRisksFaceAmountExpiringAfterOneYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbdm_LoansAndLeasesReceivableGrossConsumerMortgagePercent" abstract="false" name="LoansAndLeasesReceivableGrossConsumerMortgagePercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_DepositsPercent" abstract="false" name="DepositsPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_CapitalStockPercent" abstract="false" name="CapitalStockPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_StockholdersCapitalStockOutstandingConcenetrationRiskMember" abstract="true" name="StockholdersCapitalStockOutstandingConcenetrationRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbdm_SuperiorGuarantyInsuranceCompanyMember" abstract="true" name="SuperiorGuarantyInsuranceCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbdm_CapitalStockValueIncludingMandatorilyRedeemableStock" abstract="false" name="CapitalStockValueIncludingMandatorilyRedeemableStock" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbdm_CapitalStockValueIncludingMandatorilyRedeemableStockPercent" abstract="false" name="CapitalStockValueIncludingMandatorilyRedeemableStockPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_ConcentrationRiskThresholdPercentage" abstract="false" name="ConcentrationRiskThresholdPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbdm_StandbylettersOfCreditFees" abstract="false" name="StandbylettersOfCreditFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbdm_ScheduleOfOtherTransactionsTable" abstract="true" name="ScheduleOfOtherTransactionsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="fhlbdm_DebtAssumptionsMember" abstract="true" name="DebtAssumptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbdm_ScheduleOfOtherTransactionsLineItems" abstract="true" name="ScheduleOfOtherTransactionsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fhlbdm_ProceedsfromFederalHomeLoanBankLoans" abstract="false" name="ProceedsfromFederalHomeLoanBankLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbdm_PaymentsForFederalHomeLoanBankLoans" abstract="false" name="PaymentsForFederalHomeLoanBankLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
