Step 1: Use the formula for sum of first \(n\) terms of an AP:
\[
S_n = \frac{n}{2}[2a + (n-1)d]
\]
Given:
\[
S_{20} = 820, \quad a = 5, \quad n = 20
\]
Step 2: Substitute the values:
\[
820 = \frac{20}{2}[2(5) + (20 - 1)d]
820 = 10[10 + 19d]
\]
Step 3: Solve for \(d\):
\[
10 + 19d = \frac{820}{10} = 82 \Rightarrow 19d = 72 \Rightarrow d = \frac{72}{19}
\]
Step 4: Find the 20th term:
\[
a_{20} = a + 19d = 5 + 19 \cdot \frac{72}{19} = 5 + 72 = \boxed{77}
\]