Am thinking of changing job to get a higher salary as my yearly increament is only at 3%. Should I take the risk or just stay until my 4th year then quit?

If you're young like <25 years old, yes take the risk to change to a new environment & aim higher. You won't regret a higher pay.

Just stay on the job since u r comfortable. Anyway, the job market is no very good.

Just jump. You won't regret it. don't burn the bridge. If things go south, you may come back.

To be honest, not all people can have a consistent increment of 3% every year. It all depends on what you really want and if there's anything else you are looking forward to.