Pros: Great rates, great service, and coin counters in the branches.
Cons: Hmmm... buildings are not the newest, neither are the ATM machines.
SECU is great. I work for the state university system in NC, and was glad to find this credit union when I moved here. I have always preferred credit unions over regular banks because of the lower fees and better services. SECU is no different.
They offer great customer service and low rates. Getting my mortgage with them was so easy, and my real estate agent even commented on how fast and easy the closing was because of the credit union. Even lines of credit are simple to obtain. And, my most favorite thing of late is that there are coin counting machines in the branches now-- no more paying a percentage at the grocery store. And, in my city (Charlotte) there are SECU ATMs all over the place.
The North Caroline State Employees Credit Union is friendly, fast, convenient.