(kinda) want to transfer??

i attended a public hs and am currently deciding which school i want to go to, many of which are state schools. i gotten an uw gpa of 3.356 and w of 3.605 (due to family moving circumstances) and a superscore of 1420 and regular of 1410. my best options atm are upitt and smeal 2+2, but im thinking upitt because i would not like to stay at a branch campus that long on the off chance i am unable to transfer. i was wondering when is the earliest reasonable time to transfer because i dont want to miss to opportunities for networks, recruiting, clubs, etc. im thinking after first semester of freshman year. my intended major is finance. please give me opinions, recommendations for school to check out (esp for transfers), etc.

ps. this is to keep my options open on the chance i dont feel like i fit in and because i know i could have done better in a different environment, like college where i can be independent