Are you referring to the one on 15th street in NB? I inow a few that have joined without being veterans, and have said it's a lot of fun. I don't know the details however. Just walk in and ask!
Or here's the site: http://www.al291.com/sites/yachtclub/
I've been considering switching from my present AL post in Long Beach to the NB post. I visited the post two years ago when I was trying out a yak at the shop next door. Parking is a big motivation as well as it being a nicely maintained post.
Closer up toward PCH..... I have noticed a VFW post but I have not visited there however....... there seems like it might have access to the water too but not sure.