If you are thinking about joining, attend several in your area. While the programs and literature are the same, the clubs vary quite a bit.
The level of expertise, the style, the purpose, and even the membership will have a great deal to do with your comfort and what you get out of it.
for instance, in Oregon, where I have visited and attended a number of them, one concentrated on preparing speakers for competition and produced a world champion a few years ago. Another was a bit stuck-up, another quite 'hickey'. Some are centered on one thing, such as salesmanship or clergy, while others a much more general. When there is a special interest it is indicated in the on-line club locator, along with location and times of meeting and a contact number. Many of the clubs have their own web page.
Most of them are hosted in restaurants and you will find yourself buying a meal as part of the meeting. There is usually a small dues fee to pay for the necessities the club must purchase.
All in all, if you find a good club, it is extremely inexpensive in comparison with similar education opportunities. It is really not free but for many easily affordable.
Clubs welcome guests and allow you to observe or participate while visiting. Many will pick up the cost of your first meal with them.