Yes, you can apply an MCX against a local account easily using the -mcximport and -mcxexport dscl extensions. Simply setup the MCX like you want it for a managed account using Workgroup Manager and then from the interactive dscl environment do a -mcxexport <Path to account> -o <filename> and then copy the file to a target system. Then, on the target system, do a -mcximport <path to account> -o <path to same filename>.
Then test! Happy policy making!
