Well any high-end Nvidia reference card since Fermi has a loud as sh** fan. I play with headphones, usually my volume is really high, yet the fan at 100% on these card is unbearable. ~30% is barely audible (usually CPU/case fan are more loud). 40~50% you can start to hear it, but it's very small (impossible to notice with headphones). Around 60% it starts to get noisy. Anything above 80% is a jet during take off...
http://www.youtube.com/watch?v=YHCpNvSb5dU
(I know videos aren't the best to realize how noisy it is, but can give a rough idea, and it only goes to 85% here which is the max allowed by the eVGA tool.)