Transferring to Baruch College

I want to transfer to Baruch College after I receive my Associates from my private college (The College of Westchester). MY GPA so far is 3.89. I am doing the Digital Media program.

I will graduate in 2016, so I know I can’t apply now.

But if most of my credits don’t transfer, will Baruch graduate me a year later? I want to enter the Business program of Fall of 2016. I graduate early in May, so maybe I could start in the summer if I do get accepted?

Thanks.