Most accurate way to test is specific gravity, meters are often quite variable. It also depends if you have any load on it, and how long it's been since the shore power was turned off (you are testing with shore power off, right?). If you have no load on it and it hasn't had any charge applied to it for at least a few hours or so (a day is better) then your reading should be pretty accurate. Under those conditions a reading of 12.6 volts is considered fully charged.
-- Bass