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  <xs:element id="fhlbsf_AdjustableInterestRateMember" abstract="true" name="AdjustableInterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbsf_StepupInterestRateMember" abstract="true" name="StepupInterestRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbsf_DebtSecuritiesByClassAxis" abstract="true" name="DebtSecuritiesByClassAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="fhlbsf_DebtSecuritiesByClassDomain" abstract="true" name="DebtSecuritiesByClassDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbsf_OtherComprehensiveIncomeNetChangeInFairValueOfOtherThanTemporaryImpairmentSecurities" abstract="false" name="OtherComprehensiveIncomeNetChangeInFairValueOfOtherThanTemporaryImpairmentSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbsf_RegulatoryCapitalRatioRequired" abstract="false" name="RegulatoryCapitalRatioRequired" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbsf_LeverageRatioRequired" abstract="false" name="LeverageRatioRequired" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbsf_MandatorilyRedeemableCapitalStockRollForward" abstract="true" name="MandatorilyRedeemableCapitalStockRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fhlbsf_O2026Q2DividendsMember" abstract="true" name="O2026Q2DividendsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbsf_ExcessCapitalToAssets" abstract="false" name="ExcessCapitalToAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbsf_DividendsCashDeclaredAnnualizedRate" abstract="false" name="DividendsCashDeclaredAnnualizedRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fhlbsf_ConsolidatedObligationsBondsMember" abstract="true" name="ConsolidatedObligationsBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbsf_HedgedItemTypeAxis" abstract="true" name="HedgedItemTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="fhlbsf_HedgedItemTypeDomain" abstract="true" name="HedgedItemTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbsf_ConsolidatedObligationDiscountNotesMember" abstract="true" name="ConsolidatedObligationDiscountNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbsf_NetGainsLossesOnQualifyingActiveFairValueHedgingRelationships" abstract="false" name="NetGainsLossesOnQualifyingActiveFairValueHedgingRelationships" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbsf_CumulativeadjustmentsDisclosureAbstract" abstract="true" name="CumulativeadjustmentsDisclosureAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fhlbsf_HedgedAssetActiveFairValueHedgeCumulativeIncreaseDecrease" abstract="false" name="HedgedAssetActiveFairValueHedgeCumulativeIncreaseDecrease" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbsf_HedgedLiabilityActiveFairValueHedgeCumulativeIncreaseDecrease" abstract="false" name="HedgedLiabilityActiveFairValueHedgeCumulativeIncreaseDecrease" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbsf_NetInterestSettlementsMember" abstract="true" name="NetInterestSettlementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbsf_DerivativesNotDesignatedAsHedgingBeforePriceAlignmentMember" abstract="true" name="DerivativesNotDesignatedAsHedgingBeforePriceAlignmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbsf_PriceAlignmentAmountMember" abstract="true" name="PriceAlignmentAmountMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fhlbsf_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsAfterPriceAlignmentGainLossNet" abstract="false" name="DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsAfterPriceAlignmentGainLossNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbsf_DerivativeAssetFairValueGrossLiabilityandRightToReclaimCashOffset" abstract="false" name="DerivativeAssetFairValueGrossLiabilityandRightToReclaimCashOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbsf_CollateralAlreadyPostedNonCashAggregateFairValue" abstract="false" name="CollateralAlreadyPostedNonCashAggregateFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbsf_DerivativesAdditionCreditExposureNet" abstract="false" name="DerivativesAdditionCreditExposureNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbsf_InterestbearingDepositsFairValueDisclosure" abstract="false" name="InterestbearingDepositsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbsf_SecuritiesPurchasedunderAgreementstoResellFairValueDisclosure" abstract="false" name="SecuritiesPurchasedunderAgreementstoResellFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbsf_FederalFundsSoldFairValueDisclosure" abstract="false" name="FederalFundsSoldFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbsf_FederalHomeLoanBankAdvancesFairValueDisclosure" abstract="false" name="FederalHomeLoanBankAdvancesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbsf_FederalHomeLoanBankConsolidatedObligationsFairValueDisclosure" abstract="false" name="FederalHomeLoanBankConsolidatedObligationsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbsf_FairValueOptionPrincipalBalanceAdvances" abstract="false" name="FairValueOptionPrincipalBalanceAdvances" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbsf_FairValueOptionPrincipalBalanceConsolidatedObligationBonds" abstract="false" name="FairValueOptionPrincipalBalanceConsolidatedObligationBonds" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fhlbsf_TransactionwithMemberOfficerorDirectorMember" abstract="true" name="TransactionwithMemberOfficerorDirectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
