Gym/Swim clubs, etc. Random questions.

I'm not interested in joining a gym but after watching the swimming events on tv this week, I really miss swimming and was thinking about joining a YMCA just for the pool access. Growing up in CA I had a pool but I moved to the east coast about 8 years ago and I have only been swimming a few times since. :( Anyhow, so I'm wondering, where should I go in the NYC area? I've only lived here for a few months. Is there anything cheaper than the YMCA? I live in Queens and don't know where any of the pools are. I'm more familiar with Manhattan because I've been working here. Is it necessary to take (intermediate) lessons?? I know the basics, but I'm sure I could work on my technique and def. endurance (I'm out of shape!). For those of you who don't compete, what has it been like for you in the swim clubs? Which ones in NYC are best for beginners/not-so-in-shape-but-willing-to-work-it. Thanks.