It is very difficult to give useful advice without knowing quite a bit more about you.
What was your unweighted GPA (on an A=4, B=3, C=2, D=1 scale) for each individual year of high school? What is your SAT score?
What is your budget? What is your budget without taking on any debt at all?
What is your major? If you are not sure, then what majors are you thinking about and what academic subjects do you find interesting?
Why do you want to attend NYU? Are you ready to put in four straight years of very hard academic work without a break? What are your study skills like?
Transferring into top schools in the US is often quite difficult to do. Getting your bachelor’s from a good university and getting your master’s at a higher ranked university is relatively more common. However, there are a lot of details that will matter quite a bit. There are people who succeed in transferring into at least somewhat higher ranked universities. I for example know someone who was able to transfer into Northeastern and someone else who was able to transfer into McGill.
Your GPA is quite important as an indicator of how you are likely to do in university. An uptrend and doing well from now on is going to help you at some point in the future.