I have some money invested into the Muslim Credit Union. I am unable to access these funds. Do I have to calculate Zakaah on this, because that money is very unattainable to me?
No, you do not have to calculate Zakaah on it. If you get it in future, you will have to pay Zakaah for the years that have passed (when you did not pay on it).
And Allah knows best,
Mufti Waseem Khan