Depends on the local club. From this forum, go to the top of the page and click on Reef Central Online Community. Scroll down past all the Sponsor Forums to where it says Reef Club Forums, and click on that line. Assuming you're in Miami, FL and not Miami, TX or something (yes, there is a Miami, TX), you'll want to click on SouthEast Region - Reef Club Forums. From there, look for a club near you.
Some clubs are strictly organized, with dues and fees. Others are more relaxed, taking up a collection only when needed for something like a guest speaker. Check out the clubs near you, and see which one appeals to you.
Edit: Yeesh! Assuming you are in Florida, you've got a ton of choices. Some states have one or two reef clubs for the whole state. Florida has bunches of clubs, and Miami has several, too.