Primes with STM are audible, zoom lenses with STM are absolutely silent.
USM is quiet for photography but loud enough to be catched by a microphone located near camera while recording a video with AF.
All in all USM is my favorite for photos -- quick, quiet but I still hear if it works a provides a great manual focus capability. STM's focus by wire is for me a no-go for manual operation. I find it, at least in Canon's implementation, unusable. However for videos with AF or with lenses, which I never use in manual focus (tele), STM is great.