The ISO files are not changed each month to include the most recent Cumulative Update. Rather, we have the option to allow the ISO-based update to add the most recent CU during the upgrade or repair. By default it will add it in, unless you use the link from the first screen of Windows setup to disable any updates.
Occasionally, the ISO offered does get a new CU added to it, but this seems to be pretty rare. Plus, even when this happens, a new CU will need to be installed within a month and each month thereafter.
When Windows 10 version 20H2 becomes the public build, that ISO will have some CU included, but it may no longer be the most recent CU by the time the ISO is released to the public.