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

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:01a01a3e-f389-79a0-be7a-6c6fe1c15755,g:1b037e04-dc64-4a4d-83b1-8a2771f10fbb-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:nruc="http://nrucfc.coop/20260831" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://nrucfc.coop/20260831">
  <xs:import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd/2026" schemaLocation="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/stpr/2026" schemaLocation="https://xbrl.sec.gov/stpr/2026/stpr-2026.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nruc-20260831_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nruc-20260831_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nruc-20260831_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nruc-20260831_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="Cover" roleURI="http://nrucfc.coop/role/Cover">
        <link:definition>0000001 - Document - Cover</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFOPERATIONSUNAUDITED" roleURI="http://nrucfc.coop/role/CONSOLIDATEDSTATEMENTSOFOPERATIONSUNAUDITED">
        <link:definition>9952151 - Statement - CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSSUNAUDITED" roleURI="http://nrucfc.coop/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSSUNAUDITED">
        <link:definition>9952152 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (UNAUDITED)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDBALANCESHEETSUNAUDITED" roleURI="http://nrucfc.coop/role/CONSOLIDATEDBALANCESHEETSUNAUDITED">
        <link:definition>9952153 - Statement - CONSOLIDATED BALANCE SHEETS (UNAUDITED)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDBALANCESHEETSUNAUDITEDParenthetical" roleURI="http://nrucfc.coop/role/CONSOLIDATEDBALANCESHEETSUNAUDITEDParenthetical">
        <link:definition>9952154 - Statement - CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYUNAUDITED" roleURI="http://nrucfc.coop/role/CONSOLIDATEDSTATEMENTSOFCHANGESINEQUITYUNAUDITED">
        <link:definition>9952155 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (UNAUDITED)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCASHFLOWSUNAUDITED" roleURI="http://nrucfc.coop/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWSUNAUDITED">
        <link:definition>9952156 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPolicies" roleURI="http://nrucfc.coop/role/SummaryofSignificantAccountingPolicies">
        <link:definition>9952157 - Disclosure - Summary of Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InterestIncomeandInterestExpense" roleURI="http://nrucfc.coop/role/InterestIncomeandInterestExpense">
        <link:definition>9952158 - Disclosure - Interest Income and Interest Expense</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecurities" roleURI="http://nrucfc.coop/role/InvestmentSecurities">
        <link:definition>9952159 - Disclosure - Investment Securities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Loans" roleURI="http://nrucfc.coop/role/Loans">
        <link:definition>9952160 - Disclosure - Loans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLosses" roleURI="http://nrucfc.coop/role/AllowanceforCreditLosses">
        <link:definition>9952161 - Disclosure - Allowance for Credit Losses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShortTermBorrowings" roleURI="http://nrucfc.coop/role/ShortTermBorrowings">
        <link:definition>9952162 - Disclosure - Short-Term Borrowings</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LongTermDebt" roleURI="http://nrucfc.coop/role/LongTermDebt">
        <link:definition>9952163 - Disclosure - Long-Term Debt</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubordinatedDeferrableDebt" roleURI="http://nrucfc.coop/role/SubordinatedDeferrableDebt">
        <link:definition>9952164 - Disclosure - Subordinated Deferrable Debt</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeInstrumentsandHedgingActivities" roleURI="http://nrucfc.coop/role/DerivativeInstrumentsandHedgingActivities">
        <link:definition>9952165 - Disclosure - Derivative Instruments and Hedging Activities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Equity" roleURI="http://nrucfc.coop/role/Equity">
        <link:definition>9952166 - Disclosure - Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Guarantees" roleURI="http://nrucfc.coop/role/Guarantees">
        <link:definition>9952167 - Disclosure - Guarantees</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurement" roleURI="http://nrucfc.coop/role/FairValueMeasurement">
        <link:definition>9952168 - Disclosure - Fair Value Measurement</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="VariableInterestEntities" roleURI="http://nrucfc.coop/role/VariableInterestEntities">
        <link:definition>9952169 - Disclosure - Variable Interest Entities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessSegments" roleURI="http://nrucfc.coop/role/BusinessSegments">
        <link:definition>9952170 - Disclosure - Business Segments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesPolicies" roleURI="http://nrucfc.coop/role/SummaryofSignificantAccountingPoliciesPolicies">
        <link:definition>9955511 - Disclosure - Summary of Significant Accounting Policies (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InterestIncomeandInterestExpenseTables" roleURI="http://nrucfc.coop/role/InterestIncomeandInterestExpenseTables">
        <link:definition>9955512 - Disclosure - Interest Income and Interest Expense (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesTables" roleURI="http://nrucfc.coop/role/InvestmentSecuritiesTables">
        <link:definition>9955513 - Disclosure - Investment Securities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansTables" roleURI="http://nrucfc.coop/role/LoansTables">
        <link:definition>9955514 - Disclosure - Loans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesTables" roleURI="http://nrucfc.coop/role/AllowanceforCreditLossesTables">
        <link:definition>9955515 - Disclosure - Allowance for Credit Losses (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShortTermBorrowingsTables" roleURI="http://nrucfc.coop/role/ShortTermBorrowingsTables">
        <link:definition>9955516 - Disclosure - Short-Term Borrowings (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LongTermDebtTables" roleURI="http://nrucfc.coop/role/LongTermDebtTables">
        <link:definition>9955517 - Disclosure - Long-Term Debt (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeInstrumentsandHedgingActivitiesTables" roleURI="http://nrucfc.coop/role/DerivativeInstrumentsandHedgingActivitiesTables">
        <link:definition>9955518 - Disclosure - Derivative Instruments and Hedging Activities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityTables" roleURI="http://nrucfc.coop/role/EquityTables">
        <link:definition>9955519 - Disclosure - Equity (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="GuaranteesTables" roleURI="http://nrucfc.coop/role/GuaranteesTables">
        <link:definition>9955520 - Disclosure - Guarantees (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementTables" roleURI="http://nrucfc.coop/role/FairValueMeasurementTables">
        <link:definition>9955521 - Disclosure - Fair Value Measurement (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="VariableInterestEntitiesTables" roleURI="http://nrucfc.coop/role/VariableInterestEntitiesTables">
        <link:definition>9955522 - Disclosure - Variable Interest Entities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessSegmentsTables" roleURI="http://nrucfc.coop/role/BusinessSegmentsTables">
        <link:definition>9955523 - Disclosure - Business Segments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesDetails" roleURI="http://nrucfc.coop/role/SummaryofSignificantAccountingPoliciesDetails">
        <link:definition>9955524 - Disclosure - Summary of Significant Accounting Policies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InterestIncomeandInterestExpenseScheduleofInterestIncomeandExpenseDetails" roleURI="http://nrucfc.coop/role/InterestIncomeandInterestExpenseScheduleofInterestIncomeandExpenseDetails">
        <link:definition>9955525 - Disclosure - Interest Income and Interest Expense - Schedule of Interest Income and Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InterestIncomeandInterestExpenseAdditionalInformationDetails" roleURI="http://nrucfc.coop/role/InterestIncomeandInterestExpenseAdditionalInformationDetails">
        <link:definition>9955526 - Disclosure - Interest Income and Interest Expense - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesScheduleofInvestmentDebtSecuritiesPortfolioandFairValueDetails" roleURI="http://nrucfc.coop/role/InvestmentSecuritiesScheduleofInvestmentDebtSecuritiesPortfolioandFairValueDetails">
        <link:definition>9955527 - Disclosure - Investment Securities - Schedule of Investment Debt Securities Portfolio and Fair Value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesAdditionalInformationDetails" roleURI="http://nrucfc.coop/role/InvestmentSecuritiesAdditionalInformationDetails">
        <link:definition>9955528 - Disclosure - Investment Securities - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansScheduleofLoansOutstandingtoMembersandUnadvancedCommitmentsbyLoanTypeandbyMemberClassDetails" roleURI="http://nrucfc.coop/role/LoansScheduleofLoansOutstandingtoMembersandUnadvancedCommitmentsbyLoanTypeandbyMemberClassDetails">
        <link:definition>9955529 - Disclosure - Loans - Schedule of Loans Outstanding to Members and Unadvanced Commitments by Loan Type and by Member Class (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAdditionalInformationLoanSalesDetails" roleURI="http://nrucfc.coop/role/LoansAdditionalInformationLoanSalesDetails">
        <link:definition>9955530 - Disclosure - Loans - Additional Information - Loan Sales (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAdditionalInformationAccruedInterestReceivableDetails" roleURI="http://nrucfc.coop/role/LoansAdditionalInformationAccruedInterestReceivableDetails">
        <link:definition>9955531 - Disclosure - Loans - Additional Information - Accrued Interest Receivable (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAdditionalInformationCreditConcentrationDetails" roleURI="http://nrucfc.coop/role/LoansAdditionalInformationCreditConcentrationDetails">
        <link:definition>9955532 - Disclosure - Loans - Additional Information - Credit Concentration (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansScheduleofPaymentStatusofLoansOutstandingDetails" roleURI="http://nrucfc.coop/role/LoansScheduleofPaymentStatusofLoansOutstandingDetails">
        <link:definition>9955533 - Disclosure - Loans - Schedule of Payment Status of Loans Outstanding (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAdditionalInformationLoanModificationstoBorrowersExperiencingFinancialDifficultyDetails" roleURI="http://nrucfc.coop/role/LoansAdditionalInformationLoanModificationstoBorrowersExperiencingFinancialDifficultyDetails">
        <link:definition>9955534 - Disclosure - Loans - Additional Information - Loan Modifications to Borrowers Experiencing Financial Difficulty (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAdditionalInformationLoansonNonaccrualStatusDetails" roleURI="http://nrucfc.coop/role/LoansAdditionalInformationLoansonNonaccrualStatusDetails">
        <link:definition>9955535 - Disclosure - Loans - Additional Information - Loans on Nonaccrual Status (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAdditionalInformationNetChargeoffsDetails" roleURI="http://nrucfc.coop/role/LoansAdditionalInformationNetChargeoffsDetails">
        <link:definition>9955536 - Disclosure - Loans - Additional Information - Net Charge-offs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAdditionalInformationBorrowerRiskRatingsDetails" roleURI="http://nrucfc.coop/role/LoansAdditionalInformationBorrowerRiskRatingsDetails">
        <link:definition>9955537 - Disclosure - Loans - Additional Information - Borrower Risk Ratings (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansScheduleofLoansOutstandingbyBorrowerRiskRatingsandOriginationYearDetails" roleURI="http://nrucfc.coop/role/LoansScheduleofLoansOutstandingbyBorrowerRiskRatingsandOriginationYearDetails">
        <link:definition>9955538 - Disclosure - Loans - Schedule of Loans Outstanding by Borrower Risk Ratings and Origination Year (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansScheduleofUnadvancedCommitmentsDetails" roleURI="http://nrucfc.coop/role/LoansScheduleofUnadvancedCommitmentsDetails">
        <link:definition>9955539 - Disclosure - Loans - Schedule of Unadvanced Commitments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansScheduleofAvailableBalanceandMaturitiesofLinesofCreditDetails" roleURI="http://nrucfc.coop/role/LoansScheduleofAvailableBalanceandMaturitiesofLinesofCreditDetails">
        <link:definition>9955540 - Disclosure - Loans - Schedule of Available Balance and Maturities of Lines of Credit (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansAdditionalInformationUnadvancedLoanCommitmentsDetails" roleURI="http://nrucfc.coop/role/LoansAdditionalInformationUnadvancedLoanCommitmentsDetails">
        <link:definition>9955541 - Disclosure - Loans - Additional Information - Unadvanced Loan Commitments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansScheduleofAvailableBalanceUnderCommittedLinesofCreditandtheRelatedMaturitiesbyFiscalYearDetails" roleURI="http://nrucfc.coop/role/LoansScheduleofAvailableBalanceUnderCommittedLinesofCreditandtheRelatedMaturitiesbyFiscalYearDetails">
        <link:definition>9955542 - Disclosure - Loans - Schedule of Available Balance Under Committed Lines of Credit and the Related Maturities by Fiscal Year (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansScheduleofPledgedCollateralLoansDetails" roleURI="http://nrucfc.coop/role/LoansScheduleofPledgedCollateralLoansDetails">
        <link:definition>9955543 - Disclosure - Loans - Schedule of Pledged Collateral Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesScheduleofAllowanceforCreditLossesonFinancingReceivablesDetails" roleURI="http://nrucfc.coop/role/AllowanceforCreditLossesScheduleofAllowanceforCreditLossesonFinancingReceivablesDetails">
        <link:definition>9955544 - Disclosure - Allowance for Credit Losses - Schedule of Allowance for Credit Losses on Financing Receivables (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesScheduleofAllowanceforCreditLossesandRecordedInvestmentinFinancingReceivablesDetails" roleURI="http://nrucfc.coop/role/AllowanceforCreditLossesScheduleofAllowanceforCreditLossesandRecordedInvestmentinFinancingReceivablesDetails">
        <link:definition>9955545 - Disclosure - Allowance for Credit Losses - Schedule of Allowance for Credit Losses and Recorded Investment in Financing Receivables (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesAdditionalInformationDetails" roleURI="http://nrucfc.coop/role/AllowanceforCreditLossesAdditionalInformationDetails">
        <link:definition>9955546 - Disclosure - Allowance for Credit Losses - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShortTermBorrowingsAdditionalInformationDetails" roleURI="http://nrucfc.coop/role/ShortTermBorrowingsAdditionalInformationDetails">
        <link:definition>9955547 - Disclosure - Short-Term Borrowings - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShortTermBorrowingsScheduleofShorttermDebtDetails" roleURI="http://nrucfc.coop/role/ShortTermBorrowingsScheduleofShorttermDebtDetails">
        <link:definition>9955548 - Disclosure - Short-Term Borrowings - Schedule of Short-term Debt (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ShortTermBorrowingsScheduleofTotalAvailableandOutstandingLettersofCreditUndertheRevolvingCreditAgreementsDetails" roleURI="http://nrucfc.coop/role/ShortTermBorrowingsScheduleofTotalAvailableandOutstandingLettersofCreditUndertheRevolvingCreditAgreementsDetails">
        <link:definition>9955549 - Disclosure - Short-Term Borrowings - Schedule of Total Available and Outstanding Letters of Credit Under the Revolving Credit Agreements (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LongTermDebtAdditionalInformationDetails" roleURI="http://nrucfc.coop/role/LongTermDebtAdditionalInformationDetails">
        <link:definition>9955550 - Disclosure - Long-Term Debt - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LongTermDebtScheduleofLongtermDebtOutstandingDetails" roleURI="http://nrucfc.coop/role/LongTermDebtScheduleofLongtermDebtOutstandingDetails">
        <link:definition>9955551 - Disclosure - Long-Term Debt - Schedule of Long-term Debt Outstanding (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LongTermDebtScheduleofLongtermDebtOutstandingDetails_1" roleURI="http://nrucfc.coop/role/LongTermDebtScheduleofLongtermDebtOutstandingDetails_1">
        <link:definition>9955551 - Disclosure - Long-Term Debt - Schedule of Long-term Debt Outstanding (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubordinatedDeferrableDebtDetails" roleURI="http://nrucfc.coop/role/SubordinatedDeferrableDebtDetails">
        <link:definition>9955552 - Disclosure - Subordinated Deferrable Debt (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeInstrumentsandHedgingActivitiesScheduleofNotionalAmountsandWeightedAverageRatesPaidandReceivedDetails" roleURI="http://nrucfc.coop/role/DerivativeInstrumentsandHedgingActivitiesScheduleofNotionalAmountsandWeightedAverageRatesPaidandReceivedDetails">
        <link:definition>9955553 - Disclosure - Derivative Instruments and Hedging Activities - Schedule of Notional Amounts and Weighted Average Rates Paid and Received (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeInstrumentsandHedgingActivitiesAdditionalInformationDetails" roleURI="http://nrucfc.coop/role/DerivativeInstrumentsandHedgingActivitiesAdditionalInformationDetails">
        <link:definition>9955554 - Disclosure - Derivative Instruments and Hedging Activities - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeInstrumentsandHedgingActivitiesScheduleofFairValuesandNotionalAmountsofOutstandingDerivativesDetails" roleURI="http://nrucfc.coop/role/DerivativeInstrumentsandHedgingActivitiesScheduleofFairValuesandNotionalAmountsofOutstandingDerivativesDetails">
        <link:definition>9955555 - Disclosure - Derivative Instruments and Hedging Activities - Schedule of Fair Values and Notional Amounts of Outstanding Derivatives (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeInstrumentsandHedgingActivitiesScheduleofDerivativesOffsettingDetails" roleURI="http://nrucfc.coop/role/DerivativeInstrumentsandHedgingActivitiesScheduleofDerivativesOffsettingDetails">
        <link:definition>9955556 - Disclosure - Derivative Instruments and Hedging Activities - Schedule of Derivatives Offsetting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeInstrumentsandHedgingActivitiesScheduleofGainsandLossesRecordedontheConsolidatedStatementsofOperationsfortheEntitysInterestRateSwapsDetails" roleURI="http://nrucfc.coop/role/DerivativeInstrumentsandHedgingActivitiesScheduleofGainsandLossesRecordedontheConsolidatedStatementsofOperationsfortheEntitysInterestRateSwapsDetails">
        <link:definition>9955557 - Disclosure - Derivative Instruments and Hedging Activities - Schedule of Gains and Losses Recorded on the Consolidated Statements of Operations for the Entity's Interest Rate Swaps (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeInstrumentsandHedgingActivitiesScheduleofNotionalAmountsofDerivativeInstrumentsHavingRatingTriggersDetails" roleURI="http://nrucfc.coop/role/DerivativeInstrumentsandHedgingActivitiesScheduleofNotionalAmountsofDerivativeInstrumentsHavingRatingTriggersDetails">
        <link:definition>9955558 - Disclosure - Derivative Instruments and Hedging Activities - Schedule of Notional Amounts of Derivative Instruments Having Rating Triggers (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityAdditionalInformationDetails" roleURI="http://nrucfc.coop/role/EquityAdditionalInformationDetails">
        <link:definition>9955559 - Disclosure - Equity - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails" roleURI="http://nrucfc.coop/role/EquityScheduleofChangesinAccumulatedOtherComprehensiveIncomeLossDetails">
        <link:definition>9955560 - Disclosure - Equity - Schedule of Changes in Accumulated Other Comprehensive Income (Loss) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="GuaranteesScheduleofTotalGuaranteesbyTypeofGuaranteeandMemberClassDetails" roleURI="http://nrucfc.coop/role/GuaranteesScheduleofTotalGuaranteesbyTypeofGuaranteeandMemberClassDetails">
        <link:definition>9955561 - Disclosure - Guarantees - Schedule of Total Guarantees by Type of Guarantee and Member Class (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="GuaranteesAdditionalInformationDetails" roleURI="http://nrucfc.coop/role/GuaranteesAdditionalInformationDetails">
        <link:definition>9955562 - Disclosure - Guarantees - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementScheduleofFairValuebyBalanceSheetGroupingDetails" roleURI="http://nrucfc.coop/role/FairValueMeasurementScheduleofFairValuebyBalanceSheetGroupingDetails">
        <link:definition>9955563 - Disclosure - Fair Value Measurement - Schedule of Fair Value by Balance Sheet Grouping (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementScheduleoftheEntitysAssetsandLiabilitiesthatareMeasuredatFairValueonaRecurringBasisDetails" roleURI="http://nrucfc.coop/role/FairValueMeasurementScheduleoftheEntitysAssetsandLiabilitiesthatareMeasuredatFairValueonaRecurringBasisDetails">
        <link:definition>9955564 - Disclosure - Fair Value Measurement - Schedule of the Entity's Assets and Liabilities that are Measured at Fair Value on a Recurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementAdditionalInformationDetails" roleURI="http://nrucfc.coop/role/FairValueMeasurementAdditionalInformationDetails">
        <link:definition>9955565 - Disclosure - Fair Value Measurement - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="VariableInterestEntitiesAdditionalInformationDetails" roleURI="http://nrucfc.coop/role/VariableInterestEntitiesAdditionalInformationDetails">
        <link:definition>9955566 - Disclosure - Variable Interest Entities - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="VariableInterestEntitiesScheduleofAssetsandLiabilitiesofVariableInterestEntitiesDetails" roleURI="http://nrucfc.coop/role/VariableInterestEntitiesScheduleofAssetsandLiabilitiesofVariableInterestEntitiesDetails">
        <link:definition>9955567 - Disclosure - Variable Interest Entities - Schedule of Assets and Liabilities of Variable Interest Entities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="VariableInterestEntitiesScheduleofVariableInterestEntitiesCreditCommitmentsDetails" roleURI="http://nrucfc.coop/role/VariableInterestEntitiesScheduleofVariableInterestEntitiesCreditCommitmentsDetails">
        <link:definition>9955568 - Disclosure - Variable Interest Entities - Schedule of Variable Interest Entities, Credit Commitments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessSegmentsAdditionalInformationDetails" roleURI="http://nrucfc.coop/role/BusinessSegmentsAdditionalInformationDetails">
        <link:definition>9955569 - Disclosure - Business Segments - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessSegmentsScheduleofSegmentPresentationfortheConsolidatedStatementsofOperationsandConsolidatedBalanceSheetsDetails" roleURI="http://nrucfc.coop/role/BusinessSegmentsScheduleofSegmentPresentationfortheConsolidatedStatementsofOperationsandConsolidatedBalanceSheetsDetails">
        <link:definition>9955570 - Disclosure - Business Segments - Schedule of Segment Presentation for the Consolidated Statements of Operations and Consolidated Balance Sheets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="nruc_A735CollateralTrustBondsDue2026Member" abstract="true" name="A735CollateralTrustBondsDue2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_A550SubordinatedNotesDue2064Member" abstract="true" name="A550SubordinatedNotesDue2064Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_MembersSubordinatedCertificatesAbstract" abstract="true" name="MembersSubordinatedCertificatesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="nruc_MembershipSubordinatedCertificates" abstract="false" name="MembershipSubordinatedCertificates" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_LoanandGuaranteeSubordinatedCertificates" abstract="false" name="LoanandGuaranteeSubordinatedCertificates" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_MemberCapitalSecurities" abstract="false" name="MemberCapitalSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_MembersSubordinatedCertificates" abstract="false" name="MembersSubordinatedCertificates" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_LongTermDebtIncludingMembersSubordinatedCertificates" abstract="false" name="LongTermDebtIncludingMembersSubordinatedCertificates" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_PatronageCapitalRetirementPayable" abstract="false" name="PatronageCapitalRetirementPayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_RetainedEarningsAppropriatedMembershipFeesAndEducationFundMember" abstract="true" name="RetainedEarningsAppropriatedMembershipFeesAndEducationFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_RetainedEarningsAppropriatedPatronageCapitalAllocatedMember" abstract="true" name="RetainedEarningsAppropriatedPatronageCapitalAllocatedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_RetainedEarningsAppropriatedCapitalReserveMember" abstract="true" name="RetainedEarningsAppropriatedCapitalReserveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_PatronageCapitalRetirement" abstract="false" name="PatronageCapitalRetirement" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_AmortizationOfGuaranteeFee" abstract="false" name="AmortizationOfGuaranteeFee" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_DebtAndEquitySecuritiesFVNIUnrealizedGainLoss" abstract="false" name="DebtAndEquitySecuritiesFVNIUnrealizedGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_ProceedsFromRepaymentsOfShorttermDebtNet" abstract="false" name="ProceedsFromRepaymentsOfShorttermDebtNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_PaymentforIssuanceCostsofSubordinatedDeferrableDebt" abstract="false" name="PaymentforIssuanceCostsofSubordinatedDeferrableDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_PaymentsForRetirementOfMembersSubordinatedCertificates" abstract="false" name="PaymentsForRetirementOfMembersSubordinatedCertificates" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_ProceedsFromRepaymentsOfMembershipFees" abstract="false" name="ProceedsFromRepaymentsOfMembershipFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_RecognitionOfNetInvestmentInLeaseThroughExchangeOfLeaseROUAssets" abstract="false" name="RecognitionOfNetInvestmentInLeaseThroughExchangeOfLeaseROUAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_DerecognitionOfLeaseROUAssets" abstract="false" name="DerecognitionOfLeaseROUAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_NatureOfOperationsPolicyTextBlock" abstract="false" name="NatureOfOperationsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="nruc_ScheduleOfFinancingReceivablesTableTextBlock" abstract="false" name="ScheduleOfFinancingReceivablesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="nruc_ScheduleOfUnadvancedCommitmentsTableTextBlock" abstract="false" name="ScheduleOfUnadvancedCommitmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="nruc_ScheduleOfUnadvancedCommitmentsMaturitiesTableTextBlock" abstract="false" name="ScheduleOfUnadvancedCommitmentsMaturitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="nruc_ScheduleOfAvailableBalanceAndMaturitiesOfCommittedLinesOfCreditTableTextBlock" abstract="false" name="ScheduleOfAvailableBalanceAndMaturitiesOfCommittedLinesOfCreditTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="nruc_ScheduleOfFinancingReceivablesPledgedAsCollateralAgainstDebtInstrumentsTableTextBlock" abstract="false" name="ScheduleOfFinancingReceivablesPledgedAsCollateralAgainstDebtInstrumentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="nruc_AllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTextBlock" abstract="false" name="AllowanceForCreditLossesAndRecordedInvestmentInFinancingReceivablesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="nruc_ScheduleOfVariableInterestEntitiesCreditCommitmentsTableTextBlock" abstract="false" name="ScheduleOfVariableInterestEntitiesCreditCommitmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="nruc_RuralUtilitiesCooperativesNumberOfClassesOfMembers" abstract="false" name="RuralUtilitiesCooperativesNumberOfClassesOfMembers" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nruc_InterestIncomeCashAndInvestmentSecurities" abstract="false" name="InterestIncomeCashAndInvestmentSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_DeferredLoanConversionFees" abstract="false" name="DeferredLoanConversionFees" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_DeferredLoanCommitmentFees" abstract="false" name="DeferredLoanCommitmentFees" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_DistributionSystemsMember" abstract="true" name="DistributionSystemsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_PowerSupplySystemsMember" abstract="true" name="PowerSupplySystemsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_StatewideAndAssociateMember" abstract="true" name="StatewideAndAssociateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_ElectricUtilityMember" abstract="true" name="ElectricUtilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_TelecommunicationsMember" abstract="true" name="TelecommunicationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_LongTermLoansMember" abstract="true" name="LongTermLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_LongTermFixedRateLoansMember" abstract="true" name="LongTermFixedRateLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_LongTermVariableRateLoansMember" abstract="true" name="LongTermVariableRateLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_LineOfCreditLoansMember" abstract="true" name="LineOfCreditLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_UnamortizedLoanCommitmentAndOriginationFeesMember" abstract="true" name="UnamortizedLoanCommitmentAndOriginationFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_LoansReceivableCommercialAndIndustrialMember" abstract="true" name="LoansReceivableCommercialAndIndustrialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_LoansGuaranteedByRuralUtilitiesServiceMember" abstract="true" name="LoansGuaranteedByRuralUtilitiesServiceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_LoansGuaranteedbyFarmerMacMember" abstract="true" name="LoansGuaranteedbyFarmerMacMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_LoansReceivableCommercialAndIndustrialNotCoveredByFarmerMacStandbyRepurchaseAgreementMember" abstract="true" name="LoansReceivableCommercialAndIndustrialNotCoveredByFarmerMacStandbyRepurchaseAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_TwentyLargestBorrowersMember" abstract="true" name="TwentyLargestBorrowersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_LargestSingleBorrowerOrControlledGroupMember" abstract="true" name="LargestSingleBorrowerOrControlledGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_ConcentrationRiskNumberOfBorrowers" abstract="false" name="ConcentrationRiskNumberOfBorrowers" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nruc_FinancingReceivableBeforeAllowanceForCreditLossNumberOfDefaults" abstract="false" name="FinancingReceivableBeforeAllowanceForCreditLossNumberOfDefaults" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nruc_FinancingReceivableBeforeAllowanceForCreditLossNumberOfDefaultedLoansPurchased" abstract="false" name="FinancingReceivableBeforeAllowanceForCreditLossNumberOfDefaultedLoansPurchased" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nruc_NumberOfActiveBorrowers" abstract="false" name="NumberOfActiveBorrowers" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nruc_NumberOfStatesWithActiveBorrowers" abstract="false" name="NumberOfStatesWithActiveBorrowers" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nruc_FinancingReceivables30to89DaysPastDueMember" abstract="true" name="FinancingReceivables30to89DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_FinancingReceivableRecordedInvestmentCurrentPercentage" abstract="false" name="FinancingReceivableRecordedInvestmentCurrentPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nruc_FinancingReceivableRecordedInvestment30To89DaysPastDuePercentage" abstract="false" name="FinancingReceivableRecordedInvestment30To89DaysPastDuePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nruc_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDuePercentage" abstract="false" name="FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDuePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nruc_FinancingReceivableRecordedInvestmentPastDuePercentage" abstract="false" name="FinancingReceivableRecordedInvestmentPastDuePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nruc_FinancingReceivableCommercialNetofDeferredIncomePercentage" abstract="false" name="FinancingReceivableCommercialNetofDeferredIncomePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nruc_NumberOfBorrowersNonperformingLoans" abstract="false" name="NumberOfBorrowersNonperformingLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nruc_FinancingReceivableNumberOfBorrowerDefaults" abstract="false" name="FinancingReceivableNumberOfBorrowerDefaults" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nruc_CFCElectricDistributionBorrowerAndSubsidiaryMember" abstract="true" name="CFCElectricDistributionBorrowerAndSubsidiaryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_CFCElectricDistributionBorrowerMember" abstract="true" name="CFCElectricDistributionBorrowerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_TermOfLoans" abstract="false" name="TermOfLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="nruc_FinancingReceivablePercentOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivablePercentOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nruc_LongTermFinancingReceivableBeforeAllowanceForCreditLossAverageRemainingMaturity" abstract="false" name="LongTermFinancingReceivableBeforeAllowanceForCreditLossAverageRemainingMaturity" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="nruc_NumberOfSuccessiveHurricanes" abstract="false" name="NumberOfSuccessiveHurricanes" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nruc_FinancingReceivableNumberOfLoansOutstanding" abstract="false" name="FinancingReceivableNumberOfLoansOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nruc_OtherCommitmentToBePaidAfterYearFour" abstract="false" name="OtherCommitmentToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_CommitmentsToExtendCreditSubjectToMaterialAdverseChangeClauseMember" abstract="true" name="CommitmentsToExtendCreditSubjectToMaterialAdverseChangeClauseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_CommitmentsToExtendCreditNotSubjectToMaterialAdverseChangeClauseMember" abstract="true" name="CommitmentsToExtendCreditNotSubjectToMaterialAdverseChangeClauseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_UnadvancedLineofCreditCommitmentsasPercentageofUnadvancedLoanCommitments" abstract="false" name="UnadvancedLineofCreditCommitmentsasPercentageofUnadvancedLoanCommitments" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nruc_UnadvancedLineOfCreditCommitmentsTerm" abstract="false" name="UnadvancedLineOfCreditCommitmentsTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="nruc_FinancingReceivableLoanCommitmentTerm" abstract="false" name="FinancingReceivableLoanCommitmentTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="nruc_DistributionAndPowerSupplySystemMember" abstract="true" name="DistributionAndPowerSupplySystemMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_CollateralTrustBonds2007IndentureMember" abstract="true" name="CollateralTrustBonds2007IndentureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_CollateralTrustBonds1994IndentureMember" abstract="true" name="CollateralTrustBonds1994IndentureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_SecuredNotesPayableMember" abstract="true" name="SecuredNotesPayableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_FederalFinancingBankMember" abstract="true" name="FederalFinancingBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_FederalAgriculturalMortgageCorporationMember" abstract="true" name="FederalAgriculturalMortgageCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_ScheduleOfFinancingReceivablesPledgedAsCollateralLineItems" abstract="true" name="ScheduleOfFinancingReceivablesPledgedAsCollateralLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="nruc_FinancingReceivableCollateralForSecuredBorrowings" abstract="false" name="FinancingReceivableCollateralForSecuredBorrowings" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_CollectiveAllowanceMember" abstract="true" name="CollectiveAllowanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_AssetSpecificAllowanceMember" abstract="true" name="AssetSpecificAllowanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_FinancingReceivableAllowanceforCreditLossAdditionalInformation1Abstract" abstract="true" name="FinancingReceivableAllowanceforCreditLossAdditionalInformation1Abstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="nruc_CreditReserveforUnadvancedLoanCommitments" abstract="false" name="CreditReserveforUnadvancedLoanCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_ThreeYearAgreementMember" abstract="true" name="ThreeYearAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_FourYearAgreementMember" abstract="true" name="FourYearAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_LineOfCreditFacilityNumberOfActiveFacilities" abstract="false" name="LineOfCreditFacilityNumberOfActiveFacilities" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nruc_LetterOfCreditMaximumAmountAvailable" abstract="false" name="LetterOfCreditMaximumAmountAvailable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_CommercialPaperSoldThroughDealersNetOfDiscountsMember" abstract="true" name="CommercialPaperSoldThroughDealersNetOfDiscountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_CommercialPaperSoldDirectlyToMembersAtParMember" abstract="true" name="CommercialPaperSoldDirectlyToMembersAtParMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_SelectNotesMember" abstract="true" name="SelectNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_DailyLiquidityFundNotesSoldDirectlyToMembersMember" abstract="true" name="DailyLiquidityFundNotesSoldDirectlyToMembersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_MediumTermNotesSoldToMembersMember" abstract="true" name="MediumTermNotesSoldToMembersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_ThreeYearAgreementMatureOnNov282027Member" abstract="true" name="ThreeYearAgreementMatureOnNov282027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_ThreeYearAgreementMatureOnNov282028Member" abstract="true" name="ThreeYearAgreementMatureOnNov282028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_FourYearAgreementMatureOnNov282029Member" abstract="true" name="FourYearAgreementMatureOnNov282029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_A5.0PercentCollateralTrustBondsMember" abstract="true" name="A5.0PercentCollateralTrustBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_CommittedLoanFacilityMember" abstract="true" name="CommittedLoanFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_FarmerMacNotesPayableMember" abstract="true" name="FarmerMacNotesPayableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_MediumTermNotesFixedRateMember" abstract="true" name="MediumTermNotesFixedRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_MediumTermNotesDue2026Member" abstract="true" name="MediumTermNotesDue2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_MediumTermNotesFloatingRateMember" abstract="true" name="MediumTermNotesFloatingRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_CollateralTrustBondsMember" abstract="true" name="CollateralTrustBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_GuaranteedUnderwriterProgramNotesPayableMember" abstract="true" name="GuaranteedUnderwriterProgramNotesPayableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_InstitutionalInvestorMember" abstract="true" name="InstitutionalInvestorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_RetailInvestorsMember" abstract="true" name="RetailInvestorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_DebtInstrumentMaximumBorrowingCapacity" abstract="false" name="DebtInstrumentMaximumBorrowingCapacity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_MaximumPercentageofPatronageCapitalDistributionAllowed" abstract="false" name="MaximumPercentageofPatronageCapitalDistributionAllowed" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nruc_DebtInstrumentRenewalPeriods" abstract="false" name="DebtInstrumentRenewalPeriods" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="nruc_DebtInstrumentTerminationWrittenNoticeTerm" abstract="false" name="DebtInstrumentTerminationWrittenNoticeTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="nruc_DebtInstrumentAverageFixedInterestRate" abstract="false" name="DebtInstrumentAverageFixedInterestRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nruc_FederalAgriculturalMortgageCorporationNotesPayableMember" abstract="true" name="FederalAgriculturalMortgageCorporationNotesPayableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_MediumTermNotesSoldThroughDealersMember" abstract="true" name="MediumTermNotesSoldThroughDealersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_UnsecuredMediumTermNotesMember" abstract="true" name="UnsecuredMediumTermNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_InterestRateSwapsExcludingForwardPayFixedSwapsMember" abstract="true" name="InterestRateSwapsExcludingForwardPayFixedSwapsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_PayFixedReceiveVariableSwapsMember" abstract="true" name="PayFixedReceiveVariableSwapsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_PayVariableReceiveFixedSwapsMember" abstract="true" name="PayVariableReceiveFixedSwapsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_DerivativeWeightedAverageInterestRatePaidPercentage" abstract="false" name="DerivativeWeightedAverageInterestRatePaidPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nruc_DerivativeWeightedAverageInterestRateReceivedPercentage" abstract="false" name="DerivativeWeightedAverageInterestRateReceivedPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nruc_InterestRateSwapSubjectToRatingTriggerAndEarlyTerminationProvisionMember" abstract="true" name="InterestRateSwapSubjectToRatingTriggerAndEarlyTerminationProvisionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_InterestRateSwapRatingTriggerMember" abstract="true" name="InterestRateSwapRatingTriggerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_DerivativeCounterpartyConcentrationRiskMember" abstract="true" name="DerivativeCounterpartyConcentrationRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_NumberOfCounterpartiesSubjectToRatingsTriggerAndEarlyTerminationProvision" abstract="false" name="NumberOfCounterpartiesSubjectToRatingsTriggerAndEarlyTerminationProvision" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nruc_DerivativeAmountUnrealizedGainLossPosition" abstract="false" name="DerivativeAmountUnrealizedGainLossPosition" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_NumberOfActiveDerivativeCounterparties" abstract="false" name="NumberOfActiveDerivativeCounterparties" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nruc_InterestIncomeExpenseOnDerivatives" abstract="false" name="InterestIncomeExpenseOnDerivatives" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_MoodysA3RatingStandardPoorsAMinusRatingMember" abstract="true" name="MoodysA3RatingStandardPoorsAMinusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_MoodysBaa1RatingStandardPoorsBBBPlusRatingMember" abstract="true" name="MoodysBaa1RatingStandardPoorsBBBPlusRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_MoodysBaa2RatingStandardPoorsBBBRatingMember" abstract="true" name="MoodysBaa2RatingStandardPoorsBBBRatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_FallsBelowBaa2BBBMember" abstract="true" name="FallsBelowBaa2BBBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_AssetsReceivedForImmediateSettlementAggregateFairValue" abstract="false" name="AssetsReceivedForImmediateSettlementAggregateFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_NetAssetNeededForImmediateSettlementAggregateFairValue" abstract="false" name="NetAssetNeededForImmediateSettlementAggregateFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_StockholdersEquityTable" abstract="true" name="StockholdersEquityTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="nruc_RetainedEarningsAppropriatedPatronageCapitalAllocatedAndRetiredMember" abstract="true" name="RetainedEarningsAppropriatedPatronageCapitalAllocatedAndRetiredMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_RetainedEarningsAllocationofFiftyPercentofPriorYearPatronageCapitalAllocationMember" abstract="true" name="RetainedEarningsAllocationofFiftyPercentofPriorYearPatronageCapitalAllocationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_RetainedEarningsAllocationHeldforTwentyFiveYearsMember" abstract="true" name="RetainedEarningsAllocationHeldforTwentyFiveYearsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_StockholdersEquityLineItems" abstract="true" name="StockholdersEquityLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="nruc_PatronageRefundsPercentageofAllocationofNetEarnings" abstract="false" name="PatronageRefundsPercentageofAllocationofNetEarnings" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nruc_PeriodForWhichPriorYearsAllocatedPatronageCapitalIsRequiredToBeHeld" abstract="false" name="PeriodForWhichPriorYearsAllocatedPatronageCapitalIsRequiredToBeHeld" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="nruc_ExpectedReclassificationFromAccumulatedOtherComprehensiveIncomeOverNextTwelveMonthsNetOfTax" abstract="false" name="ExpectedReclassificationFromAccumulatedOtherComprehensiveIncomeOverNextTwelveMonthsNetOfTax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_LongTermTaxExemptBondsMember" abstract="true" name="LongTermTaxExemptBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_GuaranteeTypeOtherSecuredMember" abstract="true" name="GuaranteeTypeOtherSecuredMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_MasterLetterOfCreditMember" abstract="true" name="MasterLetterOfCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_AdjustableAndFloatingRateTaxExemptBondsMember" abstract="true" name="AdjustableAndFloatingRateTaxExemptBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_GuaranteeObligationsUnsecured" abstract="false" name="GuaranteeObligationsUnsecured" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_GuaranteeObligationsUnsecuredCommitmentAsPercentageOfTotalCommitment" abstract="false" name="GuaranteeObligationsUnsecuredCommitmentAsPercentageOfTotalCommitment" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nruc_GuaranteeObligationsSecured" abstract="false" name="GuaranteeObligationsSecured" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_LetterOfCreditFacilityMaximumAdditionalAmountPotentiallyRequiredToBeIssued" abstract="false" name="LetterOfCreditFacilityMaximumAdditionalAmountPotentiallyRequiredToBeIssued" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_GuaranteeLiabilityRecorded" abstract="false" name="GuaranteeLiabilityRecorded" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_FinancialAssets" abstract="false" name="FinancialAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_GuarantyLiabilitiesContingentAndNoncontingent" abstract="false" name="GuarantyLiabilitiesContingentAndNoncontingent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_MembersSubordinatedCertificatesAtFairValue" abstract="false" name="MembersSubordinatedCertificatesAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_FinancialLiabilities" abstract="false" name="FinancialLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_NationalCooperativeServicesCorporationMember" abstract="true" name="NationalCooperativeServicesCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_RevolvingTermLoanMember" abstract="true" name="RevolvingTermLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_NumberOfVotesPerMemberForElectionOfDirectors" abstract="false" name="NumberOfVotesPerMemberForElectionOfDirectors" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="nruc_FinancingReceivableBeforeAllowanceForCreditLossLoansToMembers" abstract="false" name="FinancingReceivableBeforeAllowanceForCreditLossLoansToMembers" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_VariableInterestEntityCommitmentToExtendLoanMaximum" abstract="false" name="VariableInterestEntityCommitmentToExtendLoanMaximum" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_VariableInterestEntityOthercreditenhancements" abstract="false" name="VariableInterestEntityOthercreditenhancements" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_VariableInterestEntityConsolidatedCarryingAmountObligationsGuaranteedByPrimaryBeneficiary" abstract="false" name="VariableInterestEntityConsolidatedCarryingAmountObligationsGuaranteedByPrimaryBeneficiary" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_VariableInterestEntityTotaloutstandingcommitments" abstract="false" name="VariableInterestEntityTotaloutstandingcommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_VariableInterestEntityCommitmenttoExtendLoanAvailableAmount" abstract="false" name="VariableInterestEntityCommitmenttoExtendLoanAvailableAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_NumberOfReportableSegmentsNotDisclosedFlag" abstract="false" name="NumberOfReportableSegmentsNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="nruc_NationalRuralUtilitiesCooperativeFinanceCorporationMember" abstract="true" name="NationalRuralUtilitiesCooperativeFinanceCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_NationalCooperativeServicesCorporationAndRuralTelephoneFinanceCooperativeMember" abstract="true" name="NationalCooperativeServicesCorporationAndRuralTelephoneFinanceCooperativeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nruc_InterestExpenseExcludingInterestExpenseOnDerivatives" abstract="false" name="InterestExpenseExcludingInterestExpenseOnDerivatives" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_RealizedGainLossOnDerivatives" abstract="false" name="RealizedGainLossOnDerivatives" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_DebtAndEquitySecuritiesFVNIGainLoss" abstract="false" name="DebtAndEquitySecuritiesFVNIGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_OtherNoninterestExpenseIncludingManagementFeeExpense" abstract="false" name="OtherNoninterestExpenseIncludingManagementFeeExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nruc_AssetsOtherThanReceivables" abstract="false" name="AssetsOtherThanReceivables" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
