NCUA — Failed Credit Union Funds
Statutory term: Unclaimed Deposits
Overview
Search for Unclaimed Property
This program provides a public search portal where you can look up unclaimed property.
Search Now →Key Statistics
Dormancy Periods
The dormancy period is how long property must be inactive before it is considered unclaimed and reported to the state.
| Property Type | Years | Notes |
|---|---|---|
| Insured share accounts | 18 months | 18 months from appointment of liquidating agent. After this, rights against NCUA insurance fund are permanently barred. |
| Estate distribution rights | Indefinite | After 18-month insurance bar, rights against the closed CU estate revert to the member. Pro-rata distributions may still be possible. |
NCUA holds unclaimed funds from 29 failed credit unions, some from decades ago. No statutory requirement found for Treasury escheatment. The 18-month deadline applies to insurance claims only — estate distribution rights survive longer.
Finder / Helper Restrictions
Restriction Level: None
Fee Cap: No cap — No NCUA-specific restrictions on third-party finders. Federal program not subject to state finder-fee laws. General FTC consumer protection rules apply.
Waiting Period: None — No waiting period. The unclaimed deposits listing is publicly available. However, the 18-month insurance claim deadline creates a natural urgency window.
Solicitation Rules: No NCUA-specific solicitation rules. Standard FTC and state consumer protection laws apply.