What is the Savings Deposit Program (SDP)?

SDP allows deployed service members in designated combat zones to deposit up to $10,000 and earn a guaranteed 10% annual interest rate. This is significantly higher than any commercial savings account.

How long can I earn 10% on my SDP?

You earn 10% annual interest during deployment plus up to 90 days after leaving the combat zone. Interest stops accruing after you return from deployment, but you can withdraw anytime.

What is the maximum SDP deposit?

The maximum deposit is $10,000. You can make multiple deposits throughout your deployment but cannot exceed $10,000 total principal.

Free Tool

SDP Calculator

Calculate your Savings Deposit Program returns with official 10% APR based on federal law.

Official SDP Rate: 10% APR

The Savings Deposit Program offers a guaranteed 10% annual percentage rate, established by federal law (10 USC § 1035). This rate is fixed and applies to all eligible service members during qualified deployments.

Data Source

10 USC § 1035

Last Verified

January 2025

Confidence

Excellent

Calculate Your SDP Returns

SDP Deposit Amount

Maximum: $10,000 per deployment

Deployment Duration (months)

Interest accrues for deployment duration + 90 days after return

How SDP Works: Deposit up to $10,000 during deployment to earn 10% APR. Interest continues for 90 days after you return home, then you receive your full payout approximately 120 days after deployment ends.

Your SDP Calculation

Deposit Amount

$10,000

Interest Earned

$1,000

12 months at 10% APR

Total Payout

$11,000

Principal + Interest

Calculation Breakdown

Deployment duration:9 months

Post-deployment accrual:3 months (90 days)

Total accrual period:12 months

Annual rate:10.00%

Interest calculation:$10,000 × 10% × (12/12)

Important Disclaimer

This calculator provides estimates based on official SDP regulations (10 USC § 1035). Actual payout amounts may vary based on exact deployment dates, deposit timing, and administrative processing. Always consult your finance office for official calculations before making financial decisions.