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We Need Your Vote!
Be Part of the Director Elections

Director Election ballot packages were distributed electronically to eligible members on Tuesday, October 14, 2025. Our Board is a key part of our cooperative, so your vote is very important. Please take the time to review the package and submit your ballots by no later than 5:00 p.m. Eastern Time on Thursday, November 13, 2025.

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2025 Small Business Recovery Grant Program

The FHLBNY is excited to announce the launch of the 2025 Small Business Recovery Grant (SBRG) Program, with a total of $5 million in grant funding available. This impactful program will once again provide grant support to members’ small business, farm, and non-profit relationships—helping them navigate persistent economic challenges such as inflation, supply chain disruptions, rising energy costs, and interest rate pressures. The program will operate similarly to last year’s offering.

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Discover how past SBRG funding has helped small businesses, farms, and non-profits thrive.

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American flag displayed on the front porch of a traditional suburban home, symbolizing community and stability for the FHLBNY 2024 Report to Members

FHLBNY 2024 Report to Members:
A Proven Foundation for a Vital Mission

In our 92nd year, we reached a new milestone: more than $1 billion in Affordable Housing Program grants awarded since the program’s inception. We also delivered our second-highest earnings of $738.5 million and set aside a record $130 million for combined statutory and voluntary contributions to make a broad impact in our District...

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2024 Report to Members
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FHLBNY Education Programs

As strategic partners, FHLBNY members can receive tailored education on a variety of topics from our subject matter specialists. Whether in your office, ours, or virtually, we value the opportunity to help you achieve your business goals.

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Interested in a strategic planning session for your leadership team?

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The Mortgage Asset Program (MAP®)

Members of the FHLBNY can access our new secondary market outlet to fund mortgages and be competitive in offering fixed-rate mortgage loan products. MAP gives mortgage lenders an alternative to funding mortgages while allowing flexibility and transparency from both an operational and an economic perspective...

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Interested to Learn How MAP® Can Benefit Your Institution?

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Our Mission

To provide members with prompt, on-demand liquidity in support of housing, local community development and financial stability.

Our Values

Member-Focused

Collaborative

Diverse & Inclusive

Accountable

Results-Oriented

Latest News

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October 23, 2025 | Press Releases

FHLBNY Announces Third Quarter 2025 Operating Highlights

New York, NY – The Federal Home Loan Bank of New York (“FHLBNY”) today released its unaudited financial highlights for the quarter ended September 30, 2025. “Throughout 2025, the Federal Home Loan Bank of New York has continued to meet our members’ needs, providing on-demand funding to help them better serve their customers and communities,” said Randolph C. Snook, president and CEO of the FHLBNY. “The certainty of our funding is at the center of our foundational liquidity mission, and we remain focused on delivering on this mission every day...

October 16, 2025 | Bulletins

Change in Letters of Credit (LOC) Fulfillment Period

Effective November 3, 2025, if a default occurs and a LOC draw certificate is submitted, the FHLBNY will disburse payment no later than the close of business on the next business day following its receipt of the draw certificate. Previously, payments were made the same day if the LOC draw certificate was submitted before 11:00 a.m.; otherwise, payment was processed the next business day. This modification only applies to LOCs issued on or after November 3, 2025.

October 15, 2025 | President's Reports

Report from the President: At the Center of Our Mission, Our Members and the Market

Over the course of our 93-year history, the Federal Home Loan Bank System has changed in many ways, from the expansion of our membership to the creation of additional ways to support housing, including the Affordable Housing Program (AHP) and our Mortgage Asset Program (MAP®).  But all of this growth and change is built upon and stems from our unwavering commitment to our foundational liquidity mission.

Updates & Notices

Financial Reports - SEC EDGAR Filings: Second Quarter (10-Q)

The FHLBNY has filed our Second Quarter 2025 Form 10-Q with the SEC: HTML | XBRL

Homebuyer Dream Program® Suite Participation

Homebuyer Dream Program® Suite Participation

Homebuyers must work directly with members to access these programs.

The FHLBanks Impact Report

The Federal Home Loan Banks 2024 Impact Report is Now Available

Discover how the Federal Home Loan Bank System is advancing its mission to provide reliable liquidity and support housing affordability across the nation – with a record $1.2 billion committed to housing and economic development in 2024.

Read 2024 Impact Report

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Financial Intelligence

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October 17, 2025

MSD Weekly Market Update: Week Ending October 17, 2025

With the ongoing federal government shutdown, the economic data flow has been both lighter and more second-tier in nature. The lack of data has generally led to both lower market volumes and volatility. The yield curve still prices a near-certain 25-bps cut by the Fed on October 29th, as recent private reports on labor market-related data has portrayed a decidedly less dynamic state, and the shutdown may impair near-term economic conditions. Given that the October 29th FOMC decision is “live”, the Fed would clearly desire fresh data. On that score, the upcoming week’s special release of the Consumer Price Index report for September will provide some needed insight on current conditions.

What goes up must come down
September 11, 2025

Addressing Potential Risks with the Fixed-Rate Advance with a SOFR Cap

We are now experiencing a “higher for longer” phase in the interest-rate cycle, accompanied by an inversion in the short-to medium terms followed by a steepening (see following chart). The Fed is still in a restrictive posture, but market expectations indicate a near-term easing, however, uncertainty surrounding the potential of future heightened growth leading to elevated inflation is causing steepening at the longer-end of the curve…

2023 Kristina Hooper Webinar
May 25, 2025

Mid-Year Outlook: Managing Through Rising Risks

Kristina Hooper discusses her outlook for the economy and markets for the remainder of 2023 and beyond. From recent challenges in the banking industry to inflation to earnings, 2023 has already faced a variety of uncertainties…