Congrats on getting into racing.
I started racing in nyc before moving to sunny CA. I think nyc is perhaps the best place for someone just getting into racing, great community, ride to races and back home before 9 a.m.
I would join CRCA and remain unattached
http://www.crca.net.
IMHO, joining CRCA is worth it for access to their closed Central Park races (though wondering if I can race as a bandit when I visit later this year...)
Once you join CRCA, you can take part in their training clinics for free. You can also get a feel for the scene and meet other racers and teams.
I think it makes sense to take your time before joining a sub-team. It's helpful to meet your potential future teammates first before joining a club since every team has a different personality, commitment level and view on cycling vs. non-cycling life balance. Assuming that balance exists of course.