IANAL, but as far as I can tell that's only for civil actions (and it runs from the date that the damages are discovered, not necessarily the time of the offens

IANAL, but as far as I can tell that's only for civil actions (and it runs from the date that the damages are discovered, not necessarily the time of the offense). For criminal charges, I believe you'd use the default 5 year statute of limitations for noncapitcal federal crimes (18 U.S.C. § 3282)