These are per-cell voltages.
3.65 v = Hot off the charger, end of charge
3.3x v = Sitting idle, no load, fully charged
3.2 to 3.0v = light load, 10 amps or less
3.0 to 2.5v = bulk of the discharge voltage under load
2.5 to 2.1v = empty, nothing left.
2.0v or less = Dead Duck.