Check to see if user is member or non-member

I am using the Membership plugin on my site. I am also using Formidable pro to create forms on my site. What I want to do in one of my forms is check to see if the user that is logged in is a member or non-member. I have set up 3 Access Levels: Free, Club Member and Race Team Member.

How would I check to see if the logged in user is a paid member (ie. Club Member or Race Team Member) or a un paid member (non-member / Free)? Also in my check I want to say that they aren't a member if they aren't logged in.

How would I do this?