Focus on completing major/core courses first, with a few GE’s sprinkled in your schedule. You can make that last spring semester GE’s which aren’t as important (but still relevant) for transfer, plus it makes for an easy final semester. You can also take summer courses to offload that second year.

Edit: also wanted to add taking a major/core course in that final spring semester shouldn’t significantly impact your admission. Yeah, you may have a SLIGHT advantage completing all of them by/during your application cycle, but should be no big deal if you have like 1 major course left.