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Colorado is much the same as California - at least in the Denver metro region. I am a member of seven different libraries here.
The process in Colorado is this ... with a few library-specific variations on occasion ... Apply online on their website (not the Overdrive website for the library, but the libraries specific website), you receive a temporary number that gives you access to their eBooks immediately, show up at the library (physically) with your ID within a month, they give you a permanent membership card.
This library sharing is not across the entire state. It's not like me being in the Denver metro area and getting a membership in, say, a city far to the west like Grand Junction. But the Denver metro area is really just a glob of cities that butt up against each other, and it is these close together cities/counties that offer their memberships to other cities "in the neighborhood".
Check for this sharing between cities/counties in your area. You might get lucky and find that you already have opportunities available to you without having to go out of state and pay for a remote membership.
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