On the front cover of this year's service programme was a picture of Rotorua-born Arthur Bellingham, one of the city's last Gallipoli veterans who had a street in the city named after him.
Mrs Chadwick's husband, John, read out the Governor General's Anzac Day address before a bible reading, prayer and the singing of the hymn Abide With Me.
Standing in for Reverend Tom Poata, who is in Waikato Hospital waiting for an operation, was Rotorua Hospital Chaplain Bishop Ray Bloomfield.
Rotorua Girls' High School student Montana Mareroa and Rotorua Boys' High School student Rawiri Manly were the guest speakers at the civic ceremony.
Mr Manly said he was grateful for the efforts of the men who went away to Gallipoli to fight for the freedoms he enjoys today.
"I encourage all of you to live for the fallen, for without their sacrifice our lives would be very different."
Rotorua RSA president William McDonald said he was very pleased with the turnout at both ceremonies and the numbers of people who came to the RSA afterward.
"It's always a very humbling occasion and it's wonderful to see so many young people remembering our veterans," he said.