3.6% is better. Teach you a simple way to distinguish the difference just by one glance, no need to count month after month.
The difference between the two is 0.4% p.a.
Ask yourself can 3.2% compound interest out of 3.2% FD interest equals or more than 0.4%?
3.2 x 3.2% = 0.10%
Therefore 0.10<0.40
It is not a precise answer as I excluded some negligible variables but it is still 99% correct.