All filters are going to use an impeller to push water -- I don't know of any other design that can do it.
Your Fluval 405 should be pretty quiet, though the '06 is better. You want to check a couple of things. Make sure there's not an air bubble in there; that'll make a rattle. Take the impeller out and clean it. If it continues, you'll want to replace it, too. They're not much. You should get a new stem at the same time.
And, yes, if it's rattling around for a long time, it'll start to impact the housing, and wear it down: in which case you'll need a new filter.