The yacht clubs that I am familar with have a size limitation on your walet.
Too small you can't join.

Clubs come in all price ranges, and you get what you pay for.

The most expensive club around here can cost 5 figures to join, depending on
your age. Same club will bill you the difference between what you spend in the
bar and dining room each month and a mandatory minimum. Dues are in addition,
and not cheap either. On the plus side, the club has probably a dozen or more
outstation facilities throughout Puget Sound and British Columbia.

Other clubs cost a few hundred bucks to join and a dues after that are $100-200
a year.

If you consider how far $200 goes at West Marine these days, membership in a
fun yacht club can be a bargain. :-)