Having just started my 1st frige swap a few months ago I will chime in.
Basically you find other folks that are staying at the same value resort that you are. You each contribute a certain amount of money to pay for and ship a fridge to your resort. If the 1st user is driving and can buy one locally, then that works too!
We each put in $6.00 and ordered the fridge. The 1st user picks up the fridge from the luggage storage area when checking in. When they are done, they put the next swappers name and check-in date on the box and return it to the luggage desk.
And so on and so on...just keeps swapping until the fridge dies or we run out of swappers.