I am a Dec UY owner myself and it can get confusing. Technically, we are currently still in our 2019 UY. Your 2020 UY points are good for reservations from Dec 2020 thru Nov 2021. I forget when the banking deadline is (7 months, I believe), so you have until early next summer to bank your 2020 UY points if you don't want to or can't use them. Remember, once you bank the points, you can't undo it and they won't be available until the next UY.
LAX