Should I transfer to a UC as a junior in Fall 2016?

[punchchess]

I'm currently a junior at a CSU school. By the end of this semester, my grades might be good enough so that I'll be able to transfer to a UC this fall. The problem is that I can only transfer as a junior, not a senior, meaning that I may have to wait till the Fall of 2017 or Spring of 2018 to graduate, and I'll feel out of place if I graduate college at 23. However, if I stay at my CSU, I could graduate in the fall of 2016 with 2 grad courses under my belt. If I finish my Bachelor's at the CSU, I'll probably only be able to go to a CSU for grad school, which I'm okay with. Will it be harder for me to get a job if my BS and MS are from CSUs? What should I do?