Welcome to the DIS!
If you will ALWAYS go at that time, a June Use Year will serve you well. Use Year only matters if you must cancel a reservation. With a June Use Year- a June reservation cancellation still gives you until the following May to use or bank the points.
With a June Use Year you have until November 30 to bank all of your points. Borrowing can only be done when you are actually making a reservation.
Enjoy the process.