Question on transferring balances to 0% card

Trying to decide what the best thing for me to do is. I owe $2400 on a 8.9% fixed interest Visa with 3% minimum payment through my credit union and $500 on a Capital One card with a 0% intro rate then varied after. Also the credit union card has no insurance available to pay the balance should something happen unforeseen. So all in all not bad but with rate caps going off electric in Jan. 2011 and the possibility of the company changing health insurance plans to one we either have to contribute to or that will have higher co-pays for med's etc looking to take control of the situation. My budget leaves about $140/month extra to pay these 2 cards while allowing $100 every 2 weeks for spending $$. Do I:
1) keep things as they are and cut back on the spending $$ to pay more on the cards

2) get a cons. loan at the credit union for 10.5% interest for 30 months with $116 monthly payments

3) Transfer the 2 balances to another card at a 0% rate through 11/11 then 9.9 after; close the credit union card and just keep the Capital One. This so I won't be tempted to charge the credit union card up again