There are plenty of possible schools for a 3.8. AP won’t help a unweighted gpa but will weighted.
As for can you raise to a 3.8, it depends.
If you had 12 qualifying grades by the end of first year, and had a 4.0 second year, a 3.48 would be a 3.74.
If the same happened Junior year you’d have a 3.83.
You should be able to do this level of math on your own. That’s a red flag that you even asked the question.
The best path to increase your gpa is to get As but I’m less concerned with As and more concerned with learning.
Getting into a school requires a lot more than As.
What is the goal that Stern is where you want to get in ?
In the end, be the best you that you can be. Internships in hs are rare. Get involved in a club or two, get tenure and growth. And a top SAT will matter.
Money does too - Stern is $100k a year. Can you afford that ? If yes, do your parents want to.
There’s tons of time b schools and many that place on Wall Street if that’s the goal.
Do well in school, take tough classes (but not above your ability), get involved outside of class and things have a way of working out.
It may be Salisbury or Susquehanna instead of Stern but no matter, if you work hard you can be very successful.
No need to over stress yourself so early.