I've been a member for 2 years this April. I don't have a huge amount of weight to lose, but definately needed the toning up. I think it worked great for that, I just can't seem to drop the pounds. That being said, I only have been able to make it 2x/week and they recommend at least 3. My nearest Curves is in a town 15 minutes away, and although it may not seem like much, after a long work day it is, not to mention their hours are not as long as some other health clubs. I think mine is open for an early bird shift, closed like from 1-2pm and open again until 7:30pm. Saturday's they are only open from 8-10am and closed all day Sunday.
It was my understanding when I signed up that I could pay monthly, but the cost was $10 more a month that if you go direct deposit. If you signed the year contract and went DD and cancelled 6 months into it you would owe Curves $60 (the $10 extra for every month you committed), so you wouldn't necessarily be out the monthly fee for the whole year.
I love the workout and the fact you move from machine to machine, making the 30 minutes fly by, but I'm actually contimplating quitting because of my time constraits. I'm trying to hold out in hopes I get my but back in gear and the rest of my life slows down.
In MN, if you have BCBS you can get a $20 credit/month if you work out at least 8 times/month, so Curves really only costs me $10.89 a month if I can get there 8 times. I'm not sure if this is available in other states or not.