My partner belongs to a co-op. He paid $80 to get the membership. If at any time he decided to drop his membership, he would get the $80, plus interest. Plus, when he shops at the co-op he gets deals on a lot of items. Additionally, at the end of the year, the co-op gives him a refund check. The average member got $37 back, my partner goes less often as he shops at the regular grocery store as well, but he was still able to get back something.
Also, I have used the membership benefits as well since it really is just a household membership, since you only give them your membership # when you checkout.
I love co-op's, but I understand being worried about the costs. It can be cheaper than you may think, especially if you buy items that are on sale (sometimes there are pretty big discounts).
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