If available, members can get a 25% discount off rack rates when they book for cash through Member Services. You will also pay the resort/lodging tax when you book for cash. It's either 11.5% or 12% depending on the resort.
It can be tough to find rack rates for HHI & VB. I usually look up my dates on one of the online booking engines like expedia, travelocity or orbitz to find rack rates.