To be fair, some marina chains offer reciprocal berthing privileges in their marinas as well.
Interesting.... to my knowledge here in BC this does not happen. Good concept, though.
These days there seem to be several types of clubs. In Canada, the more serious, formal clubs often have the word "Royal" in the name. These clubs have excellent facilities, numerous outstations, and good international connections if you're into travel. These clubs typically are reasonable to join as a youngster, and progressively more costly as you age. (approx $20-25K for someone to join at say, 40-50 years of age.) This does tend to put you in the blue blazer set.
Then there are the more relaxed clubs in major centers that generally have significant assets but not quite the posh of the ones above. Popular, these clubs often have long waitlists for their moorage facilities. More reasonable, but still costly initiation fees in return for the level of service and facilities.
After that there are clubs in smaller towns and cities that provide reasonable, sometimes incredibly inexpensive moorage, they function primarily on volunteer labour, generally don't run a bar or a restaurant but will host a series of social and racing events and programs.
Then there are clubs of convenience, often nowadays referred to as 'virtual' clubs.. those with no real assets, renting meeting spaces, not providing moorage in any way, shape or form. Very inexpensive to belong and their primary mission is to provide a venue for cruising or racing (many organized regattas have a yacht club membership requirement) These clubs are great social clubs and benefit to a degree from the lack of politics and maneuvering that comes when real money or influence becomes involved.
When it comes to marinas, generally you'll get what you pay for. Shoddy docks, unreliable power and services, poor access or parking will be reflected in the rates, as will the availablity of those same services of higher quality. But you're just buying a service, a "parking spot" for the most part and there's not the personal investment that often goes with joining a yacht club, whichever type appeals.