Certificates or Investing with a broker

[Mike Gotti]

I have about 5000 sitting in a money market account with a .80% rate building up every month. I have another 3000 in a certificate 12 month commitment with a 3.34% rate building up every month. I can start another certificate with a 3.25% rate at a 5 year commitment and combine both in a year. Or I could go to a broker and invest the 5000 with them. Is it a good idea to take the certificate or take a risk with investing?

3000 is the max I can deposit on that specific certificate.

New to investing and saving money want to know the better option.