Money Market Account Interest Rates Investing In A Money Market Account...?

Investing in a Money Market account...? - money market account interest rates

I have some questions ...
1. Can you lose money by investing in a money market account is insured by the FDIC?
2. How many times% change per year?
3. As long as the account is to receive?
4. I will be over $ 5000 that I need three to five years, is therefore the best option for me to invest, or is there something I should look?

FYI: The place where I still AmTrustDirect is a money market account. The interest rate is 5.233% and 5.36% APY is.