Different fans have different speeds. Without knowing what fans you have, it's hard to be very specific.
Additionally, some fans can be speed controlled - and there are two ways to control their speed. The "best" way is via PWM (pulse width modulation). These fans have 4 pins and one pin controls the speed. The other way is via voltage regulation. Many fan hubs and all 3-pin fans are controlled via voltage regulation.
The only reason a fan on the PSU will spin faster than the same fan on the motherboard is because the fan on the motherboard is speed controlled by either a fan controller, some special software or the BIOS of the motherboard. In all instances of controlled speed, one can safely assume it's because the components are not so hot that the controlling entity (software, BIOS or the person adjusting the fan controller) thinks it needs more aggressive airflow (and noise) to keep the components cooler.
You are seeing this "intelligent" speed control that's adjusted to the needs of the components if you see your CPU fan spinning at 555 and then at 660 "after a bit of gaming: