My club the membership is $20.00 a year or $25.00 for a family.
It is a large club with approx. 1200 members. There are multiple rides everyday and on weekends there are sometimes 6 or 7 rides posted for a particular day.
With the membership, the club pays for BikeJournal, which I think cost more that $20.00 a year.
There is insurance if you have an accident on a club ride, there are lots of social events.
We do new rider rides where experienced riders help out the newbees, they have training for metric or century rides for the beginners.
One of the main reasons I joined is the club does bikes for kids, where we raise $ to purchase new bikes and helmets for the young kids in need and the club has a party where we assemble the bikes and send them out to the Christmas Mother how handles getting them for Christmas. This year our goal is 400 new bikes.
I remember getting my first bike and I think of all those kids getting a brand new bike and helmet that otherwise would not receive one due if our club did not do this.