How much do you value graduating early? What would you be graduating too? If you are getting enough aid to make all 4 years affordable, you may want to take the extra time on campus to broaden your education not only in your major but just in general. Plus, with more time in your schedule, you may be able to study abroad or double major or take on a cool internship.
Cal and MIT are great schools. What speaks to you? Who is going to give you the best college experience as a whole?