A recent Library Journal article suggested that librarians use "member" to replace "patron" or "user" or "cardholder" and I like the sound of member and the way it works: member provides a feeling of belonging that is missing with the other terms; member implies obligations of membership; and member is easy to remember (sorry; I just had to do that because that's the way my weird mind works).

But I really like the term "member". I am a member of my community and a member of my community's library!