Honestly, for all purposes still apply to universities. My older bro had like a 3.3 and still got into a decent uni, with some decent financial aid. A 3.2 can get you into a decent university. Don’t try wasting your time with very selective schools, though. Aim for schools where your GPA is in range.
SATs vary from college to college. Some colleges want it when transferring, some don’t. What are your choices of universities?
Keep doing good in high school. It’ll help your chances even more. Plus, if you get lazy now, college is going to hurt more than be fun. Be sure to know when app deadlines are too.
And your final question, yes, your credit can still transfer from CC to uni. My sister transferred from CC with all her prerequisites done and did only her core classes.
So in the end, still apply to local universities. And use CC as a 2nd option. Oh and if you can’t afford college, then CC is also a pretty great alternative.