It depends on context.
For scalar values (all "normal" numbers that we know and love are scalar), all of those operators are the same, and are called multiplication, and the operator is called the multiplication operator, or much less frequently as the times operator.
When reading the equation "3 x 2" out loud, natives would typically use the following forms:
Three times two (common usage)
Three multiplied by two (common usage, formal)
Three by two (in common use by people who do a lot of math, vernacular informal).
Three timesed by two (primarily British English in my experience. Less common than "times").
For non-scalar values, the operator × and · do different things, and so different vocabulary is needed to distinguish them.
For "A × B" (often miswritten as "A x B"), the following phrases might be used:
A cross B
A crossed with B
The cross-product of A and B
The operator is called the cross-multiplication operator.
For "A · B" (often miswritten as "A . B"), the following phrases might be used:
A dot B
A dotted with B
The dot product of A and B
The operator is called the dot product operator.
"A * B" is generally not used in mathematics or formal writing. It is used because typing middot and cross-multiply quickly on a keyboard is hard, and period and letter-X have alternative meanings in many computer programming languages (for example is "3.2" == 32/10 or is "3.2" == 6?). For this reason, asterisk (*) is commonly used as a "poor man's ×" to symbolize multiplication.
One other thing to bear in mind is that in English math textbooks, it's fairly rare to see multiplication ever explicitly denoted by an operator at all (particularly in education above about age 15); "A * B" is much more commonly written as just "AB"