Deposits may be made in cash, by check, or through allotment. Once started, allotments may be increased or decreased as your financial situation changes. Once your account reaches a $10,000 balance, you may withdraw funds over $10,000 on a quarterly basis. Emergency withdrawal must be approved by your commanding officer who must determine that it is necessary for the health and welfare of you or your family. Deposits may not be more than your unallotted current pay and allowances. The maximum amount that can earn 10 percent interest is $10,000 (principal and accrued interest combined), so any amount greater than $10,000 in your SDP will earn no interest. The interest you earn on your SDP account is not tax-exempt.